(2019-09) Rapò estatistik sistèm bankè a, septanm 2019

[XXXX] [pagecouvert.] Banque de la République d’Haïti RAPPORT "STATISTIQUES" ET INDICATEURS FINANCIERS DONNÉES FINANCIÈRES TRIMESTRIELLES DES ÉTABLISSEMENTS BANCAIRES TRIM 4 2019 (1er juillet au 30 septembre 2019) [tabmat] TABLE DES MATIÈRES NOTE AUX UTILISATEURS | i SECTION 1 | GRAPHES ET TABLEAUX Évolution du bilan | 5 Évolution des résultats | 12 Évolution du nombre d'employés | 18 Évolution du nombre de prêts | 19 Évolution du nombre de dépôts | 20 SECTION 2 | SOMMAIRE FINANCIER - SYSTÈME BANCAIRE Indicateurs financiers | 26 Parts de marché | 27 Bilan Analyse des variations | 32 Analyse de la composition | 33 Devises et Gourdes | 34 Résultats Analyse des variations trimestrielles | 35 Analyse des variations annuelles | 36 SECTION 3 | SOMMAIRE FINANCIER DÉTAILLÉ - SYSTÈME BANCAIRE Faits saillants financiers | 38 Ratios financiers clés septembre 2019 | 39 Ratios financiers clés juin 2019 | 40 Ratios financiers clés mars 2019 | 41 Ratios financiers clés décembre 2018 | 42 Ratios financiers clés septembre 2018 | 43 Ratios financiers clés juin 2018 | 44 Ratios financiers clés mars 2018 | 45 Ratios financiers clés décembre 2017 | 46 Ratios financiers clés septembre 2017 | 47 Ratios financiers clés juin 2017 | 48 Ratios financiers clés mars 2017 | 49 Ratios financiers clés décembre 2016 | 50 Ratios financiers clés septembre 2016 | 51 Ratios financiers clés juin 2016 | 52 Ratios financiers clés mars 2016 | 53 Ratios financiers clés décembre 2015 | 54 Bilan au 30 septembre 2019 Gourdes et devises | 55 Devises seulement | 56 Gourdes seulement | 57 Bilan au 30 juin 2019 | 58 Bilan au 31 mars 2019 | 59 Bilan au 31 décembre 2018 | 60 Bilan au 30 septembre 2018 | 61 Bilan au 30 juin 2018 | 62 Bilan au 31 mars 2018 | 63 Bilan au 31 décembre 2017 | 64 Bilan au 30septembre 2017 | 65 Bilan au 30 juin 2017 | 66 Bilan au 31 mars 2017 | 67 Bilan au 31 décembre 2016 | 68 Bilan au 30septembre 2016 | 69 Bilan au 30 juin 2016 | 70 Bilan au 31 mars 2016 | 71 Bilan au 31 décembre 2015 | 72 Bilan au 30 septembre 2015 | 73 Résultats (Trim. 4 2019/ Trim. 4 2018) | 74 Résultats (Cumul oct.18-sept. 2019 / Cumul oct. 17-sept. 2018) | 75 SECTION 4 | STATISTIQUES PAR BANQUE BNC (Banque Nationale de Crédit) | 77 BPH (Banque Populaire Haïtienne) | 83 BUH (Banque de l'Union Haïtienne) | 89 CAPITALBK (Capital Bank) | 95 CBNA (Citibank N.A.) | 101 SCOTIA (Scotia Bank) | 107 SOGEBK (Société Générale Haïtienne de Banque) | 113 SOGEBL (Société Générale Haïtienne de Banque d'Epargne et de Logement) | 119 UNIBK (Unibank) | 125 SECTION 5 | RESPECT DES NORMES PRUDENTIELLES Limite relative à la position nette de change des banques | 132 Limites relatives à la concentration des risques de crédit | 133 Classification des prêts | 161 Classification des prêts | 126 Classification des prêts | 208 Suffisance des fonds propres | 210 ANNEXE 1 Information sur le calcul des ratios financiers clés | 211 [Noteutili] NOTE AUX UTILISATEURS Ce rapport a été préparé par la Direction de la Supervision de la Banque de la République d'Haïti (BRH) à partir des informations périodiques soumises par les établissements bancaires. Ce rapport ne constitue pas une analyse de la performance financière des établissements bancaires effectuée par la BRH. Toute conclusion tirée de ce rapport n'engage que l'utilisateur et ne saurait en aucune manière être attribuée à la BRH. Ce rapport comporte les cinq sections suivantes : Section 1 : Graphes et tableaux Section 2 : Sommaire financier (sommaire consolidé de l'ensemble des banques) Section 3 : Sommaire financier détaillé (sommaire détaillé banque par banque) Section 4 : Statistiques par banque ( données financières et indicateurs financiers banque par banque) Section 5 : Respect des normes prudentielles Les périodes TRIM 4 2019 et TRIM 4 2018 doivent être lues comme quatrième trimestre de l'exercice fiscal 2018-2019 (1er juillet au 30 septembre 2019) et quatrième trimestre de l'exercice fiscal 2017-2018 (1er juillet au 30 septembre 2018). Les périodes CUMUL 2019 et CUMUL 2018 doivent être lues respectivement comme période cumulative allant du 1er octobre au 30 septembre 2019 et période cumulative allant du 1er octobre au 30 septembre 2018. [pageint.sect1] SECTION 1 SOMMAIRE FINANCIER EN GRAPHES [actifs] [dispo.] [bonsbrh] [prêts nets] [dépôts] [dépôts us] [av.desact.] [revint.] [m.net%revint] [aut.rev.] [fraisd'expl.] [f.d'exp%pnb] [bénef.net] [employés] SOMMAIRE FINANCIER EN GRAPHES NOMBRE D'EMPLOYÉS PAR BANQUE BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | SCOTIA | TOTAL Déc. 2014 | 647 | 155 | 192 | 1454 | 1124 | 531 | 68 | 32 | 85 | 4288 Mars 2015 | 638 | 156 | 191 | 1456 | 1131 | 550 | 69 | 34 | 86 | 4311 Juin 2015 | 636 | 159 | 194 | 1454 | 1150 | 551 | 70 | 37 | 86 | 4337 Sept. 2015 | 623 | 159 | 208 | 1466 | 1155 | 569 | 71 | 38 | 88 | 4377 Déc. 2015 | 704 | 161 | 228 | 1441 | 1186 | 603 | 70 | 38 | 90 | 4521 Mars 2016 | 737 | 164 | 232 | 1416 | 1182 | 599 | 71 | 36 | 88 | 4525 Juin 2016 | 735 | 168 | 229 | 1414 | 1192 | 614 | 71 | 36 | 90 | 4549 Sept. 2016 | 743 | 180 | 240 | 1403 | 1210 | 621 | 69 | 37 | 91 | 4594 Déc. 2016 | 827 | 145 | 251 | 1412 | 1205 | 643 | 70 | 35 | 88 | 4676 Mars 2017 | 825 | 140 | 254 | 1411 | 1292 | 652 | 73 | 34 | 0 | 4681 Juin 2017 | 827 | 139 | 254 | 1436 | 1240 | 671 | 73 | 33 | 0 | 4673 Sept. 2017 | 816 | 134 | 245 | 1459 | 1311 | 665 | 73 | 31 | 0 | 4734 Déc. 2017 | 806 | 133 | 246 | 1425 | 1314 | 686 | 72 | 31 | 0 | 4713 Mars 2018 | 806 | 133 | 245 | 1460 | 1322 | 707 | 73 | 31 | 0 | 4777 Juin 2018 | 801 | 132 | 273 | 1450 | 1315 | 716 | 74 | 30 | 0 | 4791 Sept. 2018 | 787 | 127 | 278 | 1427 | 1287 | 774 | 74 | 32 | 0 | 4786 Déc. 2018 | 783 | 123 | 351 | 1407 | 1272 | 754 | 74 | 31 | 0 | 4795 Mars 2019 | 781 | 130 | 351 | 1371 | 1265 | 744 | 74 | 29 | 0 | 4745 Juin 2019 | 776 | 130 | 374 | 1356 | 1264 | 774 | 74 | 28 | 0 | 4776 Sept. 2019 | 770 | 130 | 380 | 1344 | 1275 | 790 | 75 | 29 | 0 | 4793 [nbre de prêts ] SOMMAIRE FINANCIER EN GRAPHES EVOLUTION DU NOMBRE DE PRÊTS PAR BANQUE BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | SCOTIA | TOTAL Déc. 2014 | 28515 | 2539 | 618 | 71589 | 3745 | 1270 | 568 | 71 | 1961 | 110876 Mars 2015 | 31424 | 2630 | 608 | 68732 | 3861 | 1189 | 563 | 65 | 1978 | 111050 Juin 2015 | 28601 | 2732 | 625 | 66016 | 3714 | 1147 | 558 | 54 | 2000 | 105447 Sept. 2015 | 31158 | 2604 | 656 | 67605 | 3745 | 1048 | 563 | 45 | 1662 | 109086 Déc. 2015 | 29137 | 2632 | 693 | 67675 | 34732 | 1016 | 568 | 42 | 1694 | 138189 Mars 2016 | 28553 | 2491 | 715 | 64203 | 33916 | 922 | 562 | 42 | 1722 | 133126 Juin 2016 | 28462 | 2419 | 790 | 61456 | 34417 | 898 | 557 | 35 | 1671 | 130705 Sept. 2016 | 28666 | 1868 | 845 | 65525 | 38010 | 867 | 550 | 34 | 1610 | 137975 Déc. 2016 | 29103 | 1623 | 891 | 66252 | 37797 | 876 | 547 | 32 | 1592 | 138713 Mars 2017 | 29699 | 1177 | 931 | 63917 | 38527 | 872 | 542 | 28 | ** | 135693 Juin 2017 | 29994 | 891 | 954 | 63204 | 39824 | 915 | 532 | 28 | ** | 136342 Sept. 2017 | 29293 | 612 | 1016 | 65418 | 42534 | 895 | 533 | 24 | ** | 140325 ** Déc. 2017 | 25636 | 533 | 1073 | 64464 | 40397 | 971 | 525 | 21 | ** | 133620 Mars 2018 | 26950 | 457 | 1071 | 61308 | 38663 | 990 | 521 | 11 | ** | 129971 Juin 2018 | 25994 | 391 | 1095 | 59071 | 38877 | 970 | 515 | 11 | ** | 126924 Sept. 2018 | 24867 | 345 | 1099 | 60816 | 39182 | 988 | 518 | 7 | ** | 127822 Déc. 2018 | 24941 | 338 | 1205 | 59936 | 38609 | 1045 | 515 | 8 | ** | 126597 Mars 2019 | 25243 | 330 | 1145 | 56174 | 35763 | 4708 | 509 | 5 | ** | 123877 Juin 2019 | 26621 | 313 | 1150 | 50891 | 35268 | 4703 | 509 | 7 | ** | 119462 Sept. 2019 | 28325 | 305 | 1117 | 50252 | 37153 | 4750 | 479 | 6 | ** | 122387 Mars98 | Juin 98 1327 | 1348 1050 | 1028 875 | 869 862 | 954 664 624 | 645 496 | 518 278 | 1539 171 | 186 103 12 | 22 0 | 636 0 0 | 2545 [nbre de cptes de dépôts ] NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 SEPTEMBRE 2019 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 39872 | 2889 | 7405 | 26165 | 157135 | 9934 | 3767 | 162 | 247329 Épargne | 416375 | 11143 | 56919 | 592268 | 989934 | 61926 | 4568 | 1310 | 2134443 À Terme | 4406 | 138 | 892 | 11717 | 5465 | 647 | 884 | 8 | 24157 TOTAL | 460653 | 14170 | 65216 | 630150 | 1152534 | 72507 | 9219 | 1480 | 2405929 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 JUIN 2019 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 39716 | 3085 | 7003 | 26390 | 154677 | 9914 | 3755 | 162 | 244702 Épargne | 406442 | 10953 | 53978 | 582713 | 972220 | 60708 | 4706 | 1342 | 2093062 À Terme | 4397 | 143 | 894 | 11674 | 5471 | 654 | 871 | 9 | 24113 TOTAL | 450555 | 14181 | 61875 | 620777 | 1132368 | 71276 | 9332 | 1513 | 2361877 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 MARS 2019 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 40110 | 3018 | 6499 | 26517 | 151891 | 9792 | 3716 | 163 | 241706 Épargne | 395508 | 10740 | 51175 | 567455 | 954210 | 59098 | 4655 | 1354 | 2044195 À Terme | 4402 | 145 | 895 | 11882 | 5475 | 652 | 876 | 9 | 24336 TOTAL | 440020 | 13903 | 58569 | 605854 | 1111576 | 69542 | 9247 | 1526 | 2310237 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 31 DECEMBRE 2018 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 40103 | 2974 | 5704 | 26357 | 149370 | 9727 | 3671 | 159 | 238065 Épargne | 386839 | 10700 | 48073 | 553894 | 929552 | 57457 | 4594 | 1339 | 1992448 À Terme | 4034 | 145 | 824 | 11794 | 5461 | 644 | 861 | 9 | 23772 TOTAL | 430976 | 13819 | 54601 | 592045 | 1084383 | 67828 | 9126 | 1507 | 2254285 NOMBRE DE COMPTES DE DÉPÔTS PAR BANQUE (En unités) AU 30 SEPTEMBRE 2018 BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL À vue | 39727 | 2978 | 5622 | 26825 | 145730 | 9534 | 3642 | 159 | 234217 Épargne | 383532 | 10655 | 46473 | 542164 | 910131 | 55488 | 4559 | 1252 | 1954254 À Terme | 3905 | 146 | 883 | 11595 | 5520 | 635 | 870 | 9 | 23563 TOTAL | 427164 | 13779 | 52978 | 580584 | 1061381 | 65657 | 9071 | 1420 | 2212034 [dépôts P-AU-P et Prov. ] RÉPARTITION DES DÉPÔTS DANS LA REGION METROPOLITAINE En Milliers de Gourdes Au 30 SEPTEMBRE 2019 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 25681456.888591863 | 1874150.1273472598 | 7901520.951148266 | 8847754 | 31808579.021119993 | 43323743.05793001 | 2063495.00367 | 4022761 | 0 | 125523460.0498074 Épargne | 9975342.560963029 | 483361.85275747796 | 2687800.8589628357 | 4594100 | 19309095.655339997 | 30408002.17942 | 772508.68417 | 524317 | 0 | 68754528.79161333 À terme | 8674386.837308032 | 1705567.7598541682 | 8120199.331121026 | 8684934 | 18339947.91015 | 21772902.21565 | 2442085.99378 | 14286 | 0 | 69754310.04786323 TOTAL | 44331186.286862925 | 4063079.739958906 | 18709521.141232125 | 22126788 | 69457622.58660999 | 95504647.45300001 | 5278089.68162 | 4561364 | 0 | 264032298.88928396 RÉPARTITION DES DÉPÔTS DANS LES VILLES DE PROVINCE En Milliers de Gourdes Au 30 SEPTEMBRE 2019 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 5284150.458254558 | N/A | 886404.725962026 | 808677 | 4199965.27883 | 5497599.5689199995 | N/A | N/A | N/A | 16676797.031966584 Épargne | 10492669.074413002 | N/A | 1524325.63442722 | 986334 | 9235087.654330002 | 12855548.833940005 | N/A | N/A | N/A | 35093965.19711023 À terme | 1950792.4410771655 | N/A | 1041586.3184243039 | 191122 | 3384366.3400000003 | 2127308.0254699998 | N/A | N/A | N/A | 8695175.12497147 TOTAL | 17727611.973744724 | N/A | 3452316.67881355 | 1986133 | 16819419.273160003 | 20480456.428330004 | N/A | N/A | N/A | 60465937.35404828 SCOTIA | 1327 PROMOBK | 1050 SOGEBK | 875 UNIBK | 862 CAPITALBK | 664 SOCABK | 624 SOGEBL | 496 BPH | 278 CBNA | 171 BICH | 103 BMH | 12 BIDC | 0 BNC | 0 BUH | 0 TABLEAU RÉCAPITULATIF DES DIFFERENTS TYPES DE DÉPOTS PAR BANQUE En Milliers de Gourdes Au 30 SEPTEMBRE 2019 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBANK | SOGEBL | CBNA | SCOTIA | TOTAL À vue | 30965607.34684642 | 1874150.1273472598 | 8787925.677110292 | 9656431 | 36008544.299949996 | 48821342.62685001 | 2063495.00367 | 4022761 | 0 | 142200257.081774 Épargne | 20468011.63537603 | 483361.85275747796 | 4212126.493390055 | 5580434 | 28544183.30967 | 43263551.01336001 | 772508.68417 | 524317 | 0 | 103848493.98872356 À terme | 10625179.278385198 | 1705567.7598541682 | 9161785.649545329 | 8876056 | 21724314.25015 | 23900210.24112 | 2442085.99378 | 14286 | 0 | 78449485.1728347 TOTAL | 62058798.26060765 | 4063079.739958906 | 22161837.820045676 | 24112921 | 86277041.85977 | 115985103.88133001 | 5278089.68162 | 4561364 | 0 | 324498236.24333227 67163757.37448001 [ dépôts à vue] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À VUE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 30 SEPTEMBRE 2019 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 14268861.379530834 | 313567.173273072 | 585778.384452452 | 5391864.5426 | 1904919.97074 | 3077738 | 981752.26821 | 4022761 | 30547242.71880636 Place Geffrard | 0 | 0 | 0 | 2820685.7358599994 | 0 | 0 | 0 | 0 | 2820685.7358599994 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée | 1334909.4130542278 | 0 | 0 | 1323452.4811600002 | 0 | 0 | 0 | 0 | 2658361.894214228 Pavée 1 | 693545.7982862799 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 693545.7982862799 Pavée 2 | 641363.6147679479 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 641363.6147679479 Delmas | 1763474.1666767958 | 49732.806057426 | 400293.16772581195 | 2723903.6402499997 | 7775625.51564 | 735069 | 733843.6146 | 0 | 14181941.910950035 Delmas 52 | 1266886.3380428478 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1266886.3380428478 Delmas 2 | 251046.964742942 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 251046.964742942 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 665299 | 0 | 0 | 665299 Delmas 32 | 245540.86389100598 | 0 | 0 | 0 | 1144034.04952 | 0 | 0 | 0 | 1389574.9134110059 Delmas 53 | 0 | 0 | 0 | 0 | 0 | 69770 | 0 | 0 | 69770 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 733843.6146 | 0 | 733843.6146 Delmas 48 | 0 | 0 | 0 | 719437.40565 | 0 | 0 | 0 | 0 | 719437.40565 Delmas-Aéroport | 0 | 0 | 0 | 2004466.2345999999 | 0 | 0 | 0 | 0 | 2004466.2345999999 Delmas 16 | 0 | 0 | 0 | 0 | 2115762.34006 | 0 | 0 | 0 | 2115762.34006 Delmas 18 | 1615722.1978799999 | 1615722.1978799999 Delmas 71 | 0 | 0 | 0 | 0 | 2896656.73348 | 0 | 0 | 0 | 2896656.73348 Kiosque Mégamart | 0 | 0 | 0 | 0 | 3450.1947 | 0 | 0 | 0 | 3450.1947 Delmas 35 | 330440.41259293596 Delmas 64 | 69852.75513287599 Pétion-Ville | 3609572.317605506 | 635421.185267314 | 4259870.750502936 | 6507522.181980001 | 14993191.922069998 | 2610926 | 0 | 0 | 32616504.357425757 P-V 1 | 1243557.353707124 | 635421.185267314 | 1689041.94435631 | 1730509.29609 | 8271652.90668 | 1415755 | 0 | 0 | 14985937.686100747 Place Boyer | 485715.608407236 | 0 | 231044.01245991 | 0 | 0 | 440218 | 0 | 0 | 1156977.620867146 Choucoune Plaza | 1360946.604545444 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1360946.604545444 P-V 2 | 126570.96724991399 | 0 | 1906104.04201491 | 0.049460000000000004 | 3067125.71446 | 754953 | 0 | 0 | 5854753.773184824 P-V 3 | 392781.783695788 | 0 | 0 | 3051856.9426700003 | 1967441.55857 | 0 | 0 | 0 | 5412080.284935788 P-V 4 | 0 | 0 | 0 | 1725155.8937600001 | 1490191.99955 | 0 | 0 | 0 | 3215347.89331 Juvénat | 433680.751671806 | 196779.74281 Lalue | 400117.304333434 | 0 | 249141.721720206 | 989623.12546 | 1074661.95524 | 0 | 0 | 0 | 2713544.10675364 Champs de Mars | 512995.311232058 | 0 | 0 | 1248706.15296 | 0 | 0 | 0 | 0 | 1761701.464192058 Laboule | 0 | 0 | 0 | 0 | 355697.77002 | 279429 | 0 | 0 | 635126.7700199999 Aéroport | 137415.72611571 | 116170.663774708 | 0 | 4498370.750530001 | 585223.31112 | 722513 | 0 | 0 | 6059693.451540419 Aéroport 2 | 0 | 0 | 0 | 1414233.56361 | 0 | 199045 | 0 | 0 | 1613278.56361 Carrefour | 321452.571920004 | 0 | 139245.01010357 | 564188.3765 | 0 | 75241 | 0 | 0 | 1100126.958523574 Arcachon | 120295.11091398599 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 120295.11091398599 Carrefour | 201157.46100601798 | 0 | 0 | 402287.73776 | 0 | 0 | 0 | 0 | 603445.198766018 Truitiers | 0 | 0 | 0 | 161900.63874000002 | 0 | 0 | 0 | 0 | 161900.63874000002 Thor | 0 | 0 | 0 | 0 | 631189.57308 | 0 | 0 | 0 | 631189.57308 Diquini | 0 | 0 | 0 | 350460.24443 | 0 | 11924 | 0 | 0 | 362384.24443 Rue du Quai | 0 | 0 | 0 | 99621.24244 | 0 | 0 | 0 | 0 | 99621.24244 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 330091 | 0 | 0 | 330091 Parc Industriel | 1560354.3960255678 | 680755.090166132 | 1991973.0280248402 | 0 | 0 | 0 | 0 | 0 | 4233082.51421654 Varreux | 0 | 0 | 0 | 0 | 4104669.39939 | 70013 | 0 | 0 | 4174682.39939 Rue Charéron | 33338.635577182 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 33338.635577182 Bourdon | 0 | 0 | 0 | 0 | 822420.49677 | 0 | 0 | 0 | 822420.49677 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 511.42646 | 0 | 0 | 0 | 511.42646 Canapé-Vert | 0 | 0 | 0 | 0 | 947938.9931 | 0 | 0 | 0 | 947938.9931 Rue Capois | 0 | 0 | 0 | 0 | 649120.31169 | 0 | 0 | 0 | 649120.31169 Damien | 174143.906702844 | 0 | 734.830592942 | 524451.65308 | 1279224.31636 | 0 | 0 | 0 | 1978554.706735786 Frères | 165227.74675292 | 0 | 54698.72654517201 | 943615.25762 | 1344204.6684700001 | 0 | 0 | 0 | 2507746.3993880926 Portail Léogane | 0 | 0 | 0 | 101389.4488 | 120810.08073 | 0 | 0 | 0 | 222199.52953 Croix des Bossales | 0 | 0 | 0 | 0 | 100661.0031 | 0 | 0 | 0 | 100661.0031 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 845976.80914 | 0 | 0 | 0 | 845976.80914 Martissant | 0 | 0 | 0 | 289403.31424000004 | 436997.56296 | 0 | 0 | 0 | 726400.8772 Nazon | 0 | 0 | 0 | 0 | 144341.93757 | 0 | 0 | 0 | 144341.93757 Croix des Bouquets | 231049.77637558003 | 0 | 0 | 127019.2143 | 326566.48392 | 0 | 0 | 0 | 684635.47459558 Lathan | 0 | 0 | 0 | 457817.45525 | 275460.99821 | 0 | 0 | 0 | 733278.45346 Turgeau | 527995.1036846159 | 0 | 0 | 1178763.75052 | 2060460.35295 | 0 | 347899.12086 | 0 | 4115118.328014616 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 251457.19214518997 | 78503.20880860799 | 195409.20880414598 | 253486.88953000004 | 826797.76881 | 735765 | 0 | 0 | 2341419.268097944 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 966966.77819 | 0 | 0 | 0 | 966966.77819 Avenue Christophe | 0 | 0 | 0 | 0 | 607117.09856 | 0 | 0 | 0 | 607117.09856 Autres succursales non précisées | 389091.940859392 | 0 | 24376.122676188 | 0 | 142986.55364 | 0 | 0 | 0 | 556454.61717558 TOTAL | 25681456.888591863 | 1874150.1273472598 | 7901520.951148264 | 31808579.021119997 | 43323743.057929985 | 8847754 | 2063495.00367 | 4022761 | 125523460.04980737 -0.021119996905326843 VILLES DE PROVINCES Aquin | 112068.66701249 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 112068.66701249 Jacmel | 316466.970173884 | 0 | 0 | 370377.36687 | 427850.80218 | 42732 | 0 | 0 | 1157427.1392238839 Hinche | 338276.39282127 | 0 | 0 | 59582.306730000004 | 269216.74529 | 61687 | 0 | 0 | 728762.44484127 Cap-Haïtien | 718736.92174505 | 0 | 364449.388591216 | 739063.9598600001 | 1433253.32247 | 304067 | 0 | 0 | 3559570.592666266 Cap-Haïtien 1 | 718736.92174505 | 0 | 357175.431633412 | 414491.32000999997 | 1030048.15877 | 286310 | 0 | 0 | 2806761.832158462 Cap-Haïtien 2 | 0 | 0 | 7273.956957803999 | 324572.63985000004 | 403205.1637 | 17757 | 0 | 0 | 752808.760507804 Cayes | 766155.183514386 | 0 | 126441.835224168 | 681110.41351 | 554736.29099 | 213953 | 0 | 0 | 2342396.723238554 Cayes 1 | 635947.614328158 | 0 | 0 | 0 | 507806.64709 | 0 | 0 | 0 | 1143754.261418158 Cayes 2 | 130207.56918622798 | 0 | 0 | 0 | 46929.6439 | 0 | 0 | 0 | 177137.21308622797 Cabaret | 228969.552075746 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 228969.552075746 Cap Saint-Michel | 0 | 0 | 0 | 108092.35523000002 | 0 | 0 | 0 | 0 | 108092.35523000002 Ouanaminthe | 63541.846453308004 | 0 | 30418.356178413997 | 81437.9016 | 143764.28221 | 0 | 0 | 0 | 319162.38644172205 Fort-Liberté | 302436.697630248 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 302436.697630248 Gonaïves | 339209.957795536 | 0 | 143289.468694758 | 348456.53126 | 528488.92284 | 100380 | 0 | 0 | 1459824.880590294 Port-de-Paix | 340971.84332233603 | 0 | 80874.04716076399 | 142309.29729 | 350203.50146 | 0 | 0 | 0 | 914358.6892331 Petit-Goave | 97918.954496522 | 0 | 0 | 102706.35462 | 161839.86347 | 0 | 0 | 0 | 362465.172586522 Miragoane | 284828.930167314 | 0 | 0 | 110880.39112999999 | 77454.36364 | 0 | 0 | 0 | 473163.684937314 Mirebalais | 0 | 0 | 0 | 230508.45322000002 | 249158.94619 | 0 | 0 | 0 | 479667.39941 Jérémie | 290105.226340838 | 0 | 0 | 284827.11731 | 289311.91546 | 0 | 0 | 0 | 864244.259110838 La Gonave | 0 | 0 | 0 | 0 | 86888.21036 | 0 | 0 | 0 | 86888.21036 Léogane | 395395.37066711596 | 0 | 0 | 198840.98416000002 | 239355.02588 | 0 | 0 | 0 | 833591.380707116 Fonds-des-Nègres | 45102.397564686 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 45102.397564686 Limbé | 0 | 0 | 0 | 0 | 77100.4536 | 0 | 0 | 0 | 77100.4536 Vertières | 173536.346079886 | 0 | 0 | 0 | 164590.47246 | 60531 | 0 | 0 | 398657.818539886 L'Estère | 234.68395199399998 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 234.68395199399998 St-Marc | 432661.24669826997 | 0 | 140931.630112706 | 741771.84604 | 444386.45042 | 25327 | 0 | 0 | 1785078.1732709762 Belladerre | 37533.269743678 TOTAL | 5284150.458254558 | 0 | 886404.7259620259 | 4199965.27883 | 5497599.568919999 | 808677 | 0 | 0 | 16676797.031966582 SCOTIA | 1327 PROMOBK | 1050 SOGEBK | 875 UNIBK | 862 CAPITALBK | 664 SOCABK | 624 SOGEBL | 496 BPH | 278 CBNA | 171 BICH | 103 BMH | 12 BIDC | 0 BNC | 0 BUH | 0 Port-au-Prince,ses environs et Provinces | 30965607.34684642 | 1874150.1273472598 | 8787925.67711029 | 36008544.299949996 | 48821342.62684999 | 9656431 | 2063495.00367 | 4022761 | 142200257.08177394 0 [ dépôts d'épargne] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS D'ÉPARGNE PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 30 SEPTEMBRE 2019 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 1710658.673463908 | 149860.743416762 | 176688.65107382 | 1719312.49822 | 1908117.2783 | 785632 | 307331.80785 | 524317 | 7281918.65232449 Place Geffrard | 0 | 0 | 0 | 2471029.6200199993 | 0 | 0 | 0 | 0 | 2471029.6200199993 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée II | 700207.2389878579 | 0 | 0 | 827656.69247 | 0 | 0 | 0 | 0 | 1527863.931457858 Pavée 1 | 262568.57138271397 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 262568.57138271397 Pavée 2 | 437638.66760514403 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 437638.66760514403 Delmas | 1444011.7702421017 | 50149.225795152 | 34614.460649117995 | 1461932.938 | 4598957.5415 | 658562 | 237402.43038 | 0 | 8485630.366566373 Delmas 52 | 587561.78273892 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 587561.78273892 Delmas 2 | 552923.99312612 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 552923.99312612 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 555692 | 0 | 0 | 555692 Delmas 32 | 303525.99437706196 | 0 | 0 | 0 | 2166414.82516 | 0 | 0 | 0 | 2469940.819537062 Delmas 53 | 0 | 0 | 0 | 0 | 0 | 102870 | 0 | 0 | 102870 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 237402.43038 | 0 | 237402.43038 Delmas 48 | 0 | 0 | 0 | 461991.49749000004 | 0 | 0 | 0 | 0 | 461991.49749000004 Delmas-Aéroport | 0 | 0 | 0 | 999941.44051 | 0 | 0 | 0 | 0 | 999941.44051 Delmas 16 | 0 | 0 | 0 | 0 | 954752.73172 | 0 | 0 | 0 | 954752.73172 Delmas 18 | 296005.66885 | 296005.66885 Delmas 71 | 0 | 0 | 0 | 0 | 1163734.19373 | 0 | 0 | 0 | 1163734.19373 Kiosque Mégamart | 0 | 0 | 0 | 0 | 18050.12204 | 0 | 0 | 0 | 18050.12204 Delmas 35 | 19481.300585529996 Delmas 64 | 15133.160063588 Pétion-Ville | 1867089.690698438 | 134315.18161467998 | 1357261.1048347699 | 3024308.2013499998 | 4861271.047180001 | 1419421 | 0 | 0 | 12663666.225677889 P-V 1 | 663780.54958917 | 134315.18161467998 | 941311.635961748 | 1160684.8499299998 | 2704301.0231 | 578495 | 0 | 0 | 6182888.2401955975 Place Boyer | 433396.64102417 | 0 | 55417.296931184 | 0 | 0 | 284733 | 0 | 0 | 773546.937955354 Choucoune Plaza | 516746.77970579197 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 516746.77970579197 P-V 2 | 131111.341669116 | 0 | 247361.44334006 | 0 | 988425.91949 | 556193 | 0 | 0 | 1923091.704499176 P-V 3 | 122054.37871018998 | 0 | 0 | 1391020.88564 | 757926.0613 | 0 | 0 | 0 | 2271001.32565019 P-V 4 | 0 | 0 | 0 | 472602.46577999997 | 338830.9088 | 0 | 0 | 0 | 811433.37458 Juvénat | 113170.728601778 | 71787.13449 Lalue | 357963.22582081996 | 0 | 291595.712349676 | 1207715.9933200001 | 1425647.83166 | 0 | 0 | 0 | 3282922.763150496 Champs de Mars | 429410.46028898 | 0 | 0 | 622559.14836 | 0 | 0 | 0 | 0 | 1051969.60864898 Laboule | 0 | 0 | 0 | 0 | 421402.67025 | 383248 | 0 | 0 | 804650.67025 Aéroport | 72676.199547154 | 59680.979348003995 | 0 | 511016.24138 | 450537.47843 | 306838 | 0 | 0 | 1400748.898705158 Aéroport 2 | 0 | 0 | 0 | 580198.7758200001 | 0 | 87851 | 0 | 0 | 668049.7758200001 Carrefour | 881761.4606037099 | 0 | 328557.570818822 | 1427129.63462 | 0 | 209064 | 0 | 0 | 2846512.666042532 Arcachon | 485453.57266112196 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 485453.57266112196 Carrefour | 396307.88794258796 | 0 | 0 | 902191.30953 | 0 | 0 | 0 | 0 | 1298499.197472588 Truitiers | 0 | 0 | 0 | 524938.3250899999 | 0 | 0 | 0 | 0 | 524938.3250899999 Thor | 0 | 0 | 0 | 0 | 1748951.35562 | 0 | 0 | 0 | 1748951.35562 Diquini | 0 | 0 | 0 | 608675.6996599999 | 0 | 90037 | 0 | 0 | 698712.6996599999 Rue du Quai | 0 | 0 | 0 | 255862.30748000002 | 0 | 0 | 0 | 0 | 255862.30748000002 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 332099 | 0 | 0 | 332099 Parc Industriel | 456503.90507523203 | 40990.710098947995 | 339347.781430652 | 0 | 0 | 0 | 0 | 0 | 836842.396604832 Varreux | 0 | 0 | 0 | 0 | 1231536.89558 | 22296 | 0 | 0 | 1253832.89558 Rue Charéron | 158295.62757972 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 158295.62757972 Bourdon | 0 | 0 | 0 | 0 | 645035.65993 | 0 | 0 | 0 | 645035.65993 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 62526.51797 | 0 | 0 | 0 | 62526.51797 Canapé-Vert | 0 | 0 | 0 | 0 | 851906.74482 | 0 | 0 | 0 | 851906.74482 Rue Capois | 0 | 0 | 0 | 0 | 1403052.57293 | 0 | 0 | 0 | 1403052.57293 Damien | 399300.01461585396 | 0 | 5194.981425923999 | 692924.93855 | 1342648.57865 | 0 | 0 | 0 | 2440068.513241778 Frères | 185408.705606064 | 0 | 23069.519983244 | 831968.15271 | 1478692.41384 | 0 | 0 | 0 | 2519138.792139308 Portail Léogane | 0 | 0 | 0 | 171554.75765 | 683047.87937 | 0 | 0 | 0 | 854602.63702 Croix des Bossales | 0 | 0 | 0 | 0 | 60765.26146 | 0 | 0 | 0 | 60765.26146 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 517561.59376 | 0 | 0 | 0 | 517561.59376 Martissant | 0 | 0 | 0 | 599472.9005499999 | 953566.42709 | 0 | 0 | 0 | 1553039.3276399998 Nazon | 0 | 0 | 0 | 0 | 506907.40136 | 0 | 0 | 0 | 506907.40136 Croix des Bouquets | 657894.968797256 | 0 | 0 | 487989.06742 | 1178967.70881 | 0 | 0 | 0 | 2324851.745027256 Lathan | 0 | 0 | 0 | 610427.61424 | 778259.5505 | 0 | 0 | 0 | 1388687.16474 Turgeau | 425025.69541572203 | 0 | 0 | 1013250.74836 | 1211372.05156 | 0 | 227774.44594 | 0 | 2877422.9412757223 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 229134.92422021 | 48365.012483932005 | 110478.771127946 | 184109.72516000003 | 790191.46838 | 299052 | 0 | 0 | 1661331.9013720881 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 469104.00904 | 0 | 0 | 0 | 469104.00904 Avenue Christophe | 0 | 0 | 0 | 0 | 399581.11819 | 0 | 0 | 0 | 399581.11819 Autres succursales non précisées | 0 | 0 | 20992.305268864002 | 0 | 428393.12324 | 0 | 0 | 0 | 449385.428508864 TOTAL | 9975342.560963027 | 483361.85275747796 | 2687800.858962836 | 19309095.65533999 | 30408002.17942001 | 4594100 | 772508.68417 | 524317 | 68754528.79161333 12499483.34466001 VILLES DE PROVINCES Aquin | 879202.0345243199 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 879202.0345243199 Jacmel | 526523.351644482 | 0 | 0 | 837083.6695 | 817624.52783 | 58472 | 0 | 0 | 2239703.548974482 Hinche | 384944.277310726 | 0 | 0 | 89528.94235 | 276268.78058 | 178704 | 0 | 0 | 929446.000240726 Cap-Haïtien | 891529.091283288 | 0 | 514899.70486763 | 2401876.65156 | 2528155.96386 | 267107 | 0 | 0 | 6603568.411570918 Cap-Haïtien 1 | 891529.091283288 | 0 | 513950.97941012 | 1685441.88168 | 1548556.75097 | 235682 | 0 | 0 | 4875160.703343408 Cap-Haïtien 2 | 0 | 0 | 948.7254575100001 | 716434.76988 | 979599.21289 | 31425 | 0 | 0 | 1728407.70822751 Cayes | 910542.92803605 | 0 | 304767.11008512997 | 864144.78212 | 1604176.50098 | 218679 | 0 | 0 | 3902310.3212211803 Cayes 1 | 697832.432056164 | 0 | 0 | 0 | 1469372.66984 | 0 | 0 | 0 | 2167205.101896164 Cayes 2 | 212710.495979886 | 0 | 0 | 0 | 134803.83114 | 0 | 0 | 0 | 347514.327119886 Cabaret | 717945.527260374 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 717945.527260374 Cap Saint-Michel | 0 | 0 | 0 | 413925.95233999996 | 0 | 0 | 0 | 0 | 413925.95233999996 Ouanaminthe | 129881.756612852 | 0 | 139777.068667472 | 347020.36494 | 347249.29054 | 0 | 0 | 0 | 963928.480760324 Fort-Liberté | 346026.420140786 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 346026.420140786 Gonaïves | 960959.944234454 | 0 | 327959.978066688 | 1041615.91885 | 1372799.9422000002 | 181322 | 0 | 0 | 3884657.783351142 Port-de-Paix | 925780.05424575 | 0 | 231758.36467738802 | 469567.98520000005 | 777947.06209 | 0 | 0 | 0 | 2405053.466213138 Petit-Goave | 438154.39944717 | 0 | 0 | 276671.76363 | 406468.98626 | 0 | 0 | 0 | 1121295.14933717 Miragoane | 325855.21197081 | 0 | 0 | 347023.27316999994 | 476625.77325 | 0 | 0 | 0 | 1149504.25839081 Mirebalais | 0 | 0 | 0 | 248501.89918 | 623391.96574 | 0 | 0 | 0 | 871893.8649200001 Jérémie | 412143.777724062 | 0 | 0 | 274344.42803 | 329715.51171 | 0 | 0 | 0 | 1016203.7174640619 La Gonave | 0 | 0 | 0 | 0 | 408011.14712 | 0 | 0 | 0 | 408011.14712 Léogane | 914591.1878699539 | 0 | 0 | 593175.54839 | 290015.5533 | 0 | 0 | 0 | 1797782.289559954 Fonds-des-Nègres | 378362.564498132 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 378362.564498132 Limbé | 0 | 0 | 0 | 0 | 559630.79679 | 0 | 0 | 0 | 559630.79679 Vertières | 161946.59370697598 | 0 | 0 | 0 | 699091.30058 | 35371 | 0 | 0 | 896408.894286976 L'Estère | 22391.600926331997 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 22391.600926331997 St-Marc | 1113196.169648356 | 0 | 5163.408062912001 | 1030606.47507 | 1338375.73111 | 46679 | 0 | 0 | 3534020.783891268 Belladerre | 52692.183328128 TOTAL | 10492669.074413002 | 0 | 1524325.63442722 | 9235087.65433 | 12855548.833940003 | 986334 | 0 | 0 | 35093965.19711022 SCOTIA | 1327 PROMOBK | 1050 SOGEBK | 875 UNIBK | 862 CAPITALBK | 664 SOCABK | 624 SOGEBL | 496 BPH | 278 CBNA | 171 BICH | 103 BMH | 12 BIDC | 0 BNC | 0 BUH | 0 Port-au-Prince,ses environs et Provinces | 20468011.63537603 | 483361.85275747796 | 4212126.493390056 | 28544183.30966999 | 43263551.01336001 | 5580434 | 772508.68417 | 524317 | 103848493.98872355 [ dépôts à terme] RÉPARTITION GÉOGRAPHIQUE DES COMPTES DE DÉPÔTS À TERME PAR BANQUE, PAR SUCCURSALES ET PAR AGENCES (EN MILLIERS DE GOURDES) AU 30 SEPTEMBRE 2019 PORT-AU-PRINCE ET SES ENVIRONS BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBL | CBNA | TOTAL Siège Social | 1240017.8964368461 | 219770.63041613798 | 78858.47548027399 | 7185005.91548 | 3823743.02151 | 6293679 | 1515882.1391 | 14286 | 20371243.078423258 Place Geffrard | 0 | 0 | 0 | 720206.8710699999 | 0 | 0 | 0 | 0 | 720206.8710699999 Place Geffrard 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Pavée II | 172595.931428578 | 0 | 0 | 543301.51701 | 0 | 0 | 0 | 0 | 715897.4484385779 Pavée 1 | 44837.219588916 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 44837.219588916 Pavée 2 | 127758.711839662 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 127758.711839662 Delmas | 747550.19627427 | 1396.13431875 | 87951.5438 | 1415938.96454 | 1408055.29716 | 184396 | 735020.28856 | 0 | 4580308.42465302 Delmas 52 | 452086.14934059203 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 452086.14934059203 Delmas 2 | 232891.553830518 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 232891.553830518 Delmas K-Dis | 0 | 0 | 0 | 0 | 0 | 152721 | 0 | 0 | 152721 Delmas 32 | 62572.49310315999 | 0 | 0 | 0 | 378078.90129 | 0 | 0 | 0 | 440651.39439316 Delmas 55 | 0 | 0 | 0 | 0 | 0 | 31675 | 0 | 0 | 31675 Delmas 56 | 0 | 0 | 0 | 0 | 0 | 0 | 735020.28856 | 0 | 735020.28856 Delmas 48 | 0 | 0 | 0 | 209209.77472 | 0 | 0 | 0 | 0 | 209209.77472 Delmas-Aéroport | 0 | 0 | 0 | 1206729.1898200002 | 0 | 0 | 0 | 0 | 1206729.1898200002 Delmas 16 | 0 | 0 | 0 | 0 | 220280.39036 | 0 | 0 | 0 | 220280.39036 Delmas 18 | 215019.96067 | 215019.96067 Delmas 71 | 0 | 0 | 0 | 0 | 594676.04484 | 0 | 0 | 0 | 594676.04484 Kiosque Mégamart | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Delmas 35 | 9331.62 Delmas 64 | 78619.9238 Pétion-Ville | 4678124.208179425 | 1482814.393856062 | 5942791.967439489 | 3056501.48555 | 11041978.76794 | 1175854 | 0 | 0 | 27378064.822964974 P-V 1 | 266651.58996831597 | 1482814.393856062 | 1236559.2317736358 | 1833583.1387899998 | 6159070.97084 | 750294 | 0 | 0 | 11728973.325228013 Place Boyer | 254509.46690530598 | 0 | 266757.74390889 | 0 | 0 | 168664 | 0 | 0 | 689931.2108141959 Choucoune Plaza | 1192820.495756814 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1192820.495756814 P-V 2 | 9385.642409264 | 0 | 3725646.954782128 | 0 | 3271956.17288 | 256896 | 0 | 0 | 7263884.770071392 P-V 3 | 2954757.0131397257 | 0 | 0 | 944378.19856 | 1392245.39478 | 0 | 0 | 0 | 5291380.606479726 P-V 4 | 0 | 0 | 0 | 278540.1482 | 145714.41867 | 0 | 0 | 0 | 424254.56687 Juvénat | 713828.036974836 | 72991.81077 Lalue | 56105.028084877995 | 0 | 95828.46917016199 | 494239.11116 | 388234.43885 | 0 | 0 | 0 | 1034407.04726504 Champs de Mars | 20922.4756901 | 0 | 0 | 85538.86247 | 0 | 0 | 0 | 0 | 106461.33816009999 Laboule | 0 | 0 | 0 | 0 | 192979.84302 | 56805 | 0 | 0 | 249784.84302 Aéroport | 18856.596516028 | 0 | 0 | 1266512.72242 | 85493.25931 | 124592 | 0 | 0 | 1495454.5782460282 Aéroport 2 | 0 | 0 | 0 | 271061.09762 | 0 | 35120 | 0 | 0 | 306181.09762 Carrefour | 182863.572011496 | 0 | 834760.2097422561 | 871690.18885 | 0 | 130780 | 0 | 0 | 2020093.9706037522 Arcachon | 70978.519334798 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 70978.519334798 Carrefour | 111885.052676698 | 0 | 0 | 804214.7684000001 | 0 | 0 | 0 | 0 | 916099.821076698 Truitiers | 0 | 0 | 0 | 67475.42045 | 0 | 0 | 0 | 0 | 67475.42045 Thor | 0 | 0 | 0 | 0 | 407684.52194 | 0 | 0 | 0 | 407684.52194 Diquini | 0 | 0 | 0 | 162328.78159 | 0 | 14761 | 0 | 0 | 177089.78159 Rue du Quai | 0 | 0 | 0 | 23033.998560000004 | 0 | 0 | 0 | 0 | 23033.998560000004 Carrefour-Feuilles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Clercine | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rue Cameau | 0 | 0 | 0 | 0 | 0 | 484070 | 0 | 0 | 484070 Parc Industriel | 395899.3539260359 | 1586.6012632179998 | 931911.226825426 | 0 | 0 | 0 | 0 | 0 | 1329397.18201468 Varreux | 0 | 0 | 0 | 0 | 307870.35106 | 7449 | 0 | 0 | 315319.35106 Rue Charéron | 1584.59223 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1584.59223 Bourdon | 0 | 0 | 0 | 0 | 448221.41176 | 0 | 0 | 0 | 448221.41176 Rue Bonne Foi | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bel-Air | 0 | 0 | 0 | 0 | 578.90813 | 0 | 0 | 0 | 578.90813 Canapé-Vert | 0 | 0 | 0 | 0 | 38548.97983 | 0 | 0 | 0 | 38548.97983 Rue Capois | 0 | 0 | 0 | 0 | 29979.46319 | 0 | 0 | 0 | 29979.46319 Damien | 175925.16965701402 | 0 | 0 | 242168.66408000002 | 600595.79371 | 0 | 0 | 0 | 1018689.627447014 Frères | 232523.19525284998 | 0 | 14732.568491466 | 418224.59862 | 713662.44116 | 0 | 0 | 0 | 1379142.803524316 Portail Léogane | 0 | 0 | 0 | 69409.08520999999 | 96150.15433 | 0 | 0 | 0 | 165559.23953999998 Croix des Bossales | 0 | 0 | 0 | 0 | 241.53022 | 0 | 0 | 0 | 241.53022 Monseigneur Guilloux | 0 | 0 | 0 | 0 | 7772.84073 | 0 | 0 | 0 | 7772.84073 Martissant | 0 | 0 | 0 | 437027.42398 | 186707.66693 | 0 | 0 | 0 | 623735.09091 Nazon | 0 | 0 | 0 | 0 | 149915.22765 | 0 | 0 | 0 | 149915.22765 Croix des Bouquets | 155800.783171974 | 0 | 0 | 84667.87632 | 153793.70245 | 0 | 0 | 0 | 394262.361941974 Lathan | 0 | 0 | 0 | 131108.23205 | 471140.37825 | 0 | 0 | 0 | 602248.6103000001 Turgeau | 386072.50778897 | 0 | 0 | 499897.94143 | 674195.10261 | 0 | 191183.56612 | 0 | 1751349.11794897 Turgeau 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Tabarre | 209545.33065956598 | 0 | 112804.972971952 | 362084.57214 | 145651.75573 | 177428 | 0 | 0 | 1007514.631501518 Rue des Fronts Forts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Grand Rue | 0 | 0 | 0 | 0 | 152219.27436 | 0 | 0 | 0 | 152219.27436 Avenue Christophe | 0 | 0 | 0 | 0 | 240031.93884 | 0 | 0 | 0 | 240031.93884 Autres succursales non précisées | 0 | 0 | 20559.8972 | 0 | 7456.14498 | 0 | 0 | 0 | 28016.04218 TOTAL | 8674386.837308032 | 1705567.7598541682 | 8120199.331121026 | 18339947.910150003 | 21772902.215650003 | 8684934 | 2442085.99378 | 14286 | 69754310.04786322 13468631.089849997 VILLES DE PROVINCES Aquin | 131611.613512456 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 131611.613512456 Jacmel | 65292.178077458004 | 0 | 0 | 93429.24848 | 99929.39458 | 3803 | 0 | 0 | 262453.82113745797 Hinche | 134159.122768208 | 0 | 0 | 38492.03117 | 27733.14339 | 5173 | 0 | 0 | 205557.29732820802 Cap-Haïtien | 215438.57821536597 | 0 | 172694.045660462 | 1272936.06953 | 463093.62222 | 13975 | 0 | 0 | 2138137.3156258278 Cap-Haïtien 1 | 215438.57821536597 | 0 | 172694.045660462 | 496412.26758999994 | 231990.38676 | 13975 | 0 | 0 | 1130510.278225828 Cap-Haïtien 2 | 0 | 0 | 0 | 776523.80194 | 231103.23546 | 0 | 0 | 0 | 1007627.0374 Cayes | 227047.46449823398 | 0 | 115207.672091282 | 298281.14652 | 154586.9474 | 5914 | 0 | 0 | 801037.2305095159 Cayes 1 | 192457.347047578 | 0 | 0 | 0 | 132770.88767 | 0 | 0 | 0 | 325228.234717578 Cayes 2 | 34590.117450656 | 0 | 0 | 0 | 21816.05973 | 0 | 0 | 0 | 56406.177180656 Cabaret | 52474.06051572799 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 52474.06051572799 Cap Saint-Michel | 0 | 0 | 0 | 13866.524720000001 | 0 | 0 | 0 | 0 | 13866.524720000001 Ouanaminthe | 1953.2094631440002 | 0 | 11512.400141445998 | 53092.056469999996 | 39037.57967 | 0 | 0 | 0 | 105595.24574459 Fort-Liberté | 9452.76457294 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9452.76457294 Gonaïves | 100526.33720050199 | 0 | 488409.521447762 | 399463.28867000004 | 217661.31965 | 19639 | 0 | 0 | 1225699.466968264 Port-de-Paix | 105357.99351742199 | 0 | 253762.67908335198 | 120566.62963999998 | 426082.40643 | 0 | 0 | 0 | 905769.708670774 Petit-Goave | 50082.028276050005 | 0 | 0 | 89167.35577 | 39583.03564 | 0 | 0 | 0 | 178832.41968604998 Miragoane | 48793.231863882 | 0 | 0 | 78609.53343000001 | 77678.82148 | 0 | 0 | 0 | 205081.586773882 Mirebalais | 0 | 0 | 0 | 128285.39738000001 | 39297.48074 | 0 | 0 | 0 | 167582.87812 Jérémie | 61095.075587609994 | 0 | 0 | 27048.425629999998 | 39744.53743 | 0 | 0 | 0 | 127888.03864761 La Gonave | 0 | 0 | 0 | 0 | 29904.86901 | 0 | 0 | 0 | 29904.86901 Léogane | 114520.20459201199 | 0 | 0 | 341547.8076400001 | 75717.12917 | 0 | 0 | 0 | 531785.1414020121 Fonds-des-Nègres | 25579.234454938 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 25579.234454938 Limbé | 0 | 0 | 0 | 0 | 53952.15324 | 0 | 0 | 0 | 53952.15324 Vertières | 244000.59437836197 | 0 | 0 | 0 | 208344.71313 | 141018 | 0 | 0 | 593363.307508362 L'Estère | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 St-Marc | 360210.71275584 | 0 | 0 | 429580.82495 | 134960.87229 | 1600 | 0 | 0 | 926352.4099958399 Belladerre | 3198.0368270139998 | 3198.0368270139998 TOTAL | 1950792.441077166 | 0 | 1041586.3184243039 | 3384366.3399999994 | 2127308.0254699998 | 191122 | 0 | 0 | 8695175.12497147 SCOTIA | 1327 PROMOBK | 1050 SOGEBK | 875 UNIBK | 862 CAPITALBK | 664 SOCABK | 624 SOGEBL | 496 BPH | 278 CBNA | 171 BICH | 103 BMH | 12 BIDC | 0 BNC | 0 BUH | 0 Port-au-Prince,ses environs et Provinces | 10625179.278385198 | 1705567.7598541682 | 9161785.649545329 | 21724314.250150003 | 23900210.241120003 | 8876056 | 2442085.99378 | 14286 | 78449485.17283468 [pageintsect2] SECTION 2 SOMMAIRE FINANCIER - SYSTÈME BANCAIRE [sofiinfisys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER INDICATEURS FINANCIERS Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 . FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 354633288.7689069 | 0.04884332152064734 | 371954756.5141712 | 0.05166257897377981 | 391170898.4972576 | 0.027543400558979952 | 401945075.24158365 | 0.221460006520873 | 329069370.34021914 | 0.08345306225712487 | 303722774.7131739 | 0.11927962988143419 | 271355581.39778477 | 0.21749795412187517 | 222879702.162211 Bons B.R.H. | 9021000 | -0.46070280456712115 | 4865000 | -0.35745118191161357 | 3126000 | -0.4113883557261676 | 1840000 | -0.8577942653991808 | 12939000 | 0.14839685520853757 | 11267011 | 0.07643790830940084 | 10466940 | 1.106887247975227 | 4967964 Prêts Nets | 111927305.85941413 | 0.017856226515766432 | 113925905.1861393 | 0.07451779458824845 | 122415412.3870803 | 0.019082746625025605 | 124751434.68466097 | 0.22038259522344747 | 102223216.86079066 | 0.1728123902171812 | 87160757.9468537 | 0.09654951507682188 | 79486385.930094 | 0.17455236559078385 | 67673769.3939371 Dépôts | 287302436.9078836 | 0.04336342219588364 | 299760853.77742636 | 0.05549040247755105 | 316394704.2005501 | 0.025612095107656177 | 324498235.4560933 | 0.2129295972771665 | 267532621.99598402 | 0.09840403716665293 | 243564856.77719083 | 0.10252366495016321 | 220915763.09901753 | 0.2305355879268533 | 179528138.20785606 Avoir des Actionnaires | 31166882.8490946 | 0.033941283514213466 | 32224726.856129996 | 0.015233542449767044 | 32715623.600625 | 0.032626600384674076 | 33783023.178178005 | 0.15303833899570668 | 29299132.592245743 | 0.06841609282689057 | 27422960.76309 | 0.11520582641471785 | 24590044.378849998 | 0.4320299970546054 | 17171458.998363666 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) Résultats Revenus nets d'intérêt | 3048483.535576892 | 0.21391438691071576 | 2511283.80094 | 3105485.040778108 | 0.20875295859578047 | 2569164.3761400003 | 3166723.33277 | 0.1967834861102347 | 2646028.6004299996 | 3901319.0090700006 | 0.38518220071824993 | 2816466.3154400005 | 13222010.918195 | 0.25411005272678333 | 10542943.09295 Autres revenus | 2534369.0419864003 | 0.45245630755669963 | 1744884.874540342 | 2629326.0162100005 | 0.46589472906323715 | 1793666.3282023263 | 2834280.1619588304 | 0.40452944256994916 | 2017957.10083 | 2364843.348298997 | -0.04996628512025043 | 2489220.4468746954 | 10362818.568454228 | 0.2879900491149453 | 8045728.7504473645 Dot. à la provision pr créances douteuses | 159791.93955 | 0.4092017089552707 | 113391.81505000002 | 254490.45468000002 | 0.5113126511518102 | 168390.34231999997 | 270352.45743 | 0.4220458834109245 | 190115.14367000002 | 698601.74322 | 1.889341361263984 | 241785.81062999996 | 1383236.59488 | 0.9381663545929539 | 713683.11167 Dépenses d'exploitation | 3159704.2809500005 | 0.11413702610389956 | 2836010.47889 | 3375842.59012 | 0.14665203668980484 | 2944086.33317 | 3812059.99717 | 0.2566969965155024 | 3033396.28227 | 4209208.641650001 | 0.2516991555446684 | 3362795.7828400005 | 14556815.50989 | 0.19550510477649563 | 12176288.87717 Bénéfice net | 1925453.131411224 | 0.7256779336899999 | 1115766.2121193418 | 1819214.5542751763 | 0.6951909593344724 | 1073162.0200413263 | 1713737.6301238304 | 0.23278343844212743 | 1390136.8047979996 | 1385405.625744998 | -0.1781221323647024 | 1685658.7581936952 | 6843810.941555231 | 0.2999373201414388 | 5264723.795152365 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) | 2018 | 2017 | 2016 | 2015 RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumul) Structure financière Avoir des actionnaires en % de l'actif | 0.08788482028094147 | 0.0930393879797384 | 0.08663614671345723 | 0.09089213819390073 | 0.08363511632973475 | 0.08450340838830141 | 0.08404885458012684 | 0.08903634076290322 | 0.08404885458012684 | 0.08903634076290322 | 0.08903634076290322 | 0.09028944500124288 | 0.0906192688286851 | 0.0770436196377647 Dépôts en % de l'actif | 0.8101395046845172 | 0.7929963918563985 | 0.8059067629264359 | 0.7950737733421003 | 0.8088400886058457 | 0.8022021202849585 | 0.807319844038537 | 0.8129976415592454 | 0.807319844038537 | 0.8129976415592454 | 0.8129976415592454 | 0.801931488368647 | 0.8141191051278704 | 0.8054934409289374 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.029185323917257176 | 0.027789693403274043 | 0.043564927452063064 | 0.03967106991844018 | 0.07467359539361852 | 0.03617910536188689 | 0.06535921843623994 | 0.025469754697323044 | 0.06535921843623994 | 0.025469754697323044 | 0.025469754697323044 | 0.02934450061813123 | 0.03394940216672455 | 0.039271603527648524 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.7551138076035544 | 0.907010005524532 | 0.5365699757778454 | 0.5941227939053139 | 0.33760494479256087 | 0.669175931131729 | 0.46572376763467743 | 0.8786573826806808 | 0.46572376763467743 | 0.8786573826806808 | 0.8786573826806808 | 0.9058530766720206 | 0.8810163174056981 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires (tx. d'exposition) | 0.026245184195151827 | 0.008386602819762222 | 0.07308476400376915 | 0.05440019365136807 | 0.18986899595935502 | 0.044086336674557004 | 0.13299789206400983 | 0.01102966857089383 | 0.13299789206400983 | 0.01102966857089383 | 0.01102966857089383 | 0.009020696097058693 | 0.013459872248919582 | 0.030456650934339143 Rentabilité ROA (rendement de l'actif) | 0.022529713532723313 | 0.014547998132675433 | 0.020030217299448264 | 0.013606135646086738 | 0.017965456869334734 | 0.01730361504733847 | 0.013974305616002504 | 0.02072657173005502 | 0.018724146924643456 | 0.016639662285024552 | 0.016639662285024552 | 0.04357447304307952 | 0.03240628733053552 | 0.02032082022176322 ROE ( rendement avoir des action.) | 0.25474847216008883 | 0.1586855933606742 | 0.2295842699353622 | 0.14797878560312577 | 0.21111529187265973 | 0.19731423560479336 | 0.16666873000929788 | 0.23879627936783374 | 0.2169808833566835 | 0.18563221399481997 | 0.18563221079206246 | 0.48177828328957045 | 0.3835190142286141 | 0.2656959787560942 Revenus nets d'intérêts en % des revenus d'intérêt | 0.7949850745774006 | 0.7903002468161384 | 0.7847672365138632 | 0.7884463460591302 | 0.7620861396784122 | 0.7728200799318027 | 0.7596278660603382 | 0.7828202806399954 | 0.7739859225582887 | 0.7834044677928268 | 0.7834044677928268 | 0.7402625990100686 | 0.7518670085025657 | 0.8444114776650408 Rendement moyen des prêts | 0.10988315773609976 | 0.10935602434152217 | 0.10885839589444288 | 0.10575912873556188 | 0.11033492416793839 | 0.10690765302913806 | 0.12841535088791947 | 0.11049054888559197 | 0.11640768542321629 | 0.10844998153226369 | 0.10844998153226369 | 0.11137586177051408 | 0.11952648983663465 | 0.09895570708918694 Rendement moyen des prêts productifs | 0.11298010050276615 | 0.11256990051000276 | 0.11297564272028744 | 0.10946868165575188 | 0.11733920459795438 | 0.11112047225230853 | 0.13807506403654932 | 0.11399090609732386 | 0.12220968811849597 | 0.11148885421295597 | 0.11148885421295598 | 0.11500363470366654 | 0.12404153454218945 | 0.10250489500969355 Rémunération moyenne des dépôts | 0.01133538955527628 | 0.010895441584678757 | 0.01160651995870145 | 0.011006770485380221 | 0.012835873234276159 | 0.012123114243806262 | 0.015409877794458281 | 0.011895694873154408 | 0.013043243209962358 | 0.011406478059241762 | 0.011406478059241762 | 0.013421205154526005 | 0.01401804110283661 | 0.007657583666099035 Dépenses d'exploitation en % du produit net bancaire | 0.5659659174323198 | 0.6663294373712607 | 0.5886580318991318 | 0.6748110418861201 | 0.6352370900164351 | 0.6503871316437596 | 0.6717362879530208 | 0.6338097089947549 | 0.6172109710663901 | 0.6550381318122509 | 0.6550381318122509 | 0.4570289913501697 | 0.5131372781157897 | 0.6039584532746723 (marge nette d'int.+autres revenus) Productivité par employé ('000 gdes) | 1340.2 | 1340.2 | 1340.2 | 1340.2 | 1340.2 | 1340.2 | 1340.2 | 1340.2 | 4924.278001179502 | 3905.1831603775977 | 3905.1831603775977 | 5224.883469251728 | 4216.334641971632 | 2992.288856337569 Productivité par Employé ('000 gdes) | 4661.603237710713 | 3604.249963357969 | 4809.065875881014 | 3677.8341027121824 | 5042.330423047017 | 3899.653596371237 | 5238.718660147559 | 4432.02402615825 | 4924.278001179502 | 3905.1831603775977 | 3905.1831603775977 | 5224.883469251728 | 4216.334641971632 | 2992.288856337569 Nombre de succursales autorisées | 0 | 0 | 0 | 145 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 139 | 115 A partir du Trim 2 1998, les prêts improductifs désignent les prêts dont le principal ou les intérêts sont dus et impayés depuis 90 jours ou plus. Avant cette date, ce rapport considérait les prêts échus depuis plus de 15 jours. [partdemarc. ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage) AU 30 SEPTEMBRE 2019 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 136911770.16667125 | 0.34062308160980026 | 1 | UNIBK | 39251560.03829001 | 0.30506076740241805 | 1 | UNIBK | 115985103.85474831 | 0.35742907412648117 | 1 | UNIBK | 85236515.03145832 | 0.37958582060771956 | 1 SOGEBK | 105301379.00716 | 0.26197952280885645 | 2 | SOGEBK | 33371415.672019996 | 0.25936063851425467 | 2 | SOGEBK | 86277041.85978933 | 0.26587830820874575 | 2 | SOGEBK | 63565529.256009325 | 0.28307789890402196 | 2 BNC | 81491924.87383 | 0.20274393167984553 | 3 | BNC | 22279445 | 0.17315450856908307 | 3 | BNC | 62058797.5 | 0.19124540820006078 | 3 | BNC | 29733907.5 | 0.1324147247701995 | 3 CAPITALBK | 30027870 | 0.07470640107221653 | 4 | BUH | 15312382.763147477 | 0.11900691926457323 | 4 | CAPITALBK | 24112921 | 0.07430832702713612 | 4 | CAPITALBK | 19115198 | 0.08512617058817003 | 4 BUH | 28801421.49919239 | 0.07165511726168479 | 5 | CAPITALBK | 11608017 | 0.09021681101555994 | 5 | BUH | 22161837.82004568 | 0.06829571134307237 | 5 | BUH | 15933630.70094568 | 0.07095762048280144 | 5 SOGEBL | 8363229.34113 | 0.020806895907614725 | 6 | SOGEBL | 4855564.40193 | 0.037737154935489764 | 6 | SOGEBL | 5278089.68159 | 0.016265387927830995 | 6 | SOGEBL | 4328335.05239 | 0.019275478497921234 | 6 CBNA | 6251476 | 0.015553060318608545 | 7 | BPH | 1379034.11777 | 0.010717770346723778 | 7 | CBNA | 4561364 | 0.014056668115895446 | 7 | CBNA | 3990772 | 0.01777220084513341 | 7 BPH | 4796004.353600001 | 0.01193198934137314 | 8 | CBNA | 610585 | 0.004745429951897526 | 8 | BPH | 4063079.73992 | 0.012521115050777404 | 8 | BPH | 2647479.7758 | 0.011790085304032997 | 8 TOTAL | 401945075.2415837 | 1 | TOTAL | 128668003.99315749 | 1 | TOTAL | 324498235.4560934 | 0.9999999999999998 | TOTAL | 224551367.31660333 | 1 AU 30 JUIN 2019 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 134447588.1474234 | 0.34370549717252535 | 1 | UNIBK | 38865192.023017 | 0.3094822211516781 | 1 | UNIBK | 112714343.15257174 | 0.356245985334592 | 1 | UNIBK | 82312861.34771174 | 0.38029802277817437 | 1 SOGEBK | 102175901.03553 | 0.2612052722430381 | 2 | SOGEBK | 33221405.85139 | 0.2645409410708841 | 2 | SOGEBK | 84602350.93708965 | 0.2673949652566358 | 2 | SOGEBK | 61285749.71540965 | 0.28314954746614784 | 2 BNC | 79320236.95983 | 0.2027764265300684 | 3 | BNC | 20556136 | 0.16368782183832695 | 3 | BNC | 61585632 | 0.19464811257069367 | 3 | BNC | 29470014 | 0.1361559769876312 | 3 CAPITALBK | 29164114 | 0.07455593990258061 | 4 | BUH | 14826167.01645421 | 0.11806027091544034 | 4 | CAPITALBK | 23595848 | 0.07457725330650138 | 4 | CAPITALBK | 18637461 | 0.08610792349891229 | 4 BUH | 27345869.976634294 | 0.06990773107531159 | 5 | CAPITALBK | 11168927 | 0.08893779127075631 | 5 | BUH | 20350937.411258668 | 0.06432135917913157 | 5 | BUH | 14393903.519088669 | 0.06650203818387126 | 5 SOGEBL | 8257372.144709999 | 0.021109372339384005 | 6 | SOGEBL | 4844420.9065499995 | 0.03857596127313142 | 6 | SOGEBL | 5132396.6893 | 0.016221499984547076 | 6 | SOGEBL | 4123567.1261599995 | 0.019051511503740494 | 6 CBNA | 6002132 | 0.015344014657169286 | 7 | BPH | 1419406.15287 | 0.011302683610733538 | 7 | CBNA | 4344398 | 0.013730944109754308 | 7 | CBNA | 3552046 | 0.016410996392299218 | 7 BPH | 4457684.2331300005 | 0.011395746079922792 | 8 | CBNA | 679685 | 0.005412308869049283 | 8 | BPH | 4068798.01033 | 0.012859880258144113 | 8 | BPH | 2667440.425 | 0.012323983189223365 | 8 TOTAL | 391170898.49725765 | 1 | TOTAL | 125581339.9502812 | 1 | TOTAL | 316394704.2005501 | 0.9999999999999998 | TOTAL | 216443043.13337004 | 1 AU 30 SEPTEMBRE 2018 ACTIF | PRÊTS BRUTS | DÉPÔTS TOTAUX | DÉPÔTS US Montant | % | Rang | Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 113100019.99986374 | 0.34369658860358715 | 1 | UNIBK | 32364335.316409998 | 0.3095191947927175 | 1 | UNIBK | 97068000.53195517 | 0.36282678279665004 | 1 | UNIBK | 65147450.15389517 | 0.3971198851917459 | 1 SOGEBK | 86643757.77669999 | 0.2632993696347993 | 2 | SOGEBK | 28986173.17268 | 0.2772118411460512 | 2 | SOGEBK | 70694658.70082822 | 0.26424687267442637 | 2 | SOGEBK | 45256695.14586825 | 0.27587163485339383 | 2 BNC | 67575699.97483 | 0.20535396504683698 | 3 | BNC | 16505563 | 0.1578524174655338 | 3 | BNC | 53076921 | 0.19839420181362685 | 3 | BNC | 22009480 | 0.1341633809164124 | 3 CAPITALBK | 23026514 | 0.0699746499535745 | 4 | BUH | 11256471.881454712 | 0.10765226842734368 | 4 | CAPITALBK | 18885745 | 0.07059230705810336 | 4 | CAPITALBK | 13631671 | 0.08309469687153956 | 4 BUH | 21374678.329575364 | 0.06495493125803978 | 5 | CAPITALBK | 9307144 | 0.08900969813025089 | 5 | BUH | 15189051.670130633 | 0.05677457783207701 | 5 | BUH | 9672516.873980634 | 0.05896084622554873 | 5 SOGEBL | 7392044.46892 | 0.02246348379758801 | 6 | SOGEBL | 4280198.45026 | 0.0409340579661398 | 6 | CBNA | 5141852 | 0.019219532786835938 | 6 | SOGEBL | 3553689.7507300004 | 0.021662257885508414 | 6 CBNA | 6477166 | 0.01968328438864842 | 7 | BPH | 1309781.84108 | 0.012526214947465628 | 7 | SOGEBL | 4368473.75426 | 0.01632875169266489 | 7 | CBNA | 3177762 | 0.019370711787270782 | 7 BPH | 3479489.7903299998 | 0.01057372731692596 | 8 | CBNA | 553590 | 0.005294307124497653 | 8 | BPH | 3107919.33881 | 0.0116169733456156 | 8 | BPH | 1600566.3309900002 | 0.009756586268580449 | 8 TOTAL | 329069370.3402191 | 1 | TOTAL | 104563257.6618847 | 1.0000000000000002 | TOTAL | 267532621.99598402 | 1.0000000000000002 | TOTAL | 164049831.25546405 | 1.0000000000000002 [partdemarc. (2)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) POUR LE QUATRIEME TRIMESTRE DE L'EXERCICE 2018-2019 AU 30 SEPTEMBRE 2019 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 124812185.95900927 | 0.33901426086935676 | 1 | UNIBK | 1826884.0253000003 | 0.2915475088435248 | 1 | UNIBK | 448348.5931500002 | 0.3236226162347957 | 1 SOGEBK | 97780512.26368931 | 0.2655909584292392 | 2 | SOGEBK | 1629911.8426089974 | 0.2601132478944187 | 2 | SOGEBK | 374844.4205389973 | 0.2705665500220746 | 2 BNC | 74135475.97 | 0.20136642425621537 | 3 | BNC | 1220851.1638099998 | 0.1948323541879314 | 3 | CAPITALBK | 229541 | 0.16568504973160125 | 3 CAPITALBK | 27168471 | 0.07379487062297314 | 4 | CAPITALBK | 758143 | 0.12099000261434734 | 4 | BNC | 185885.2538099999 | 0.13417388406376707 | 4 BUH | 25958255.467202555 | 0.07050768899730492 | 5 | BUH | 546277.13675 | 0.08717889923608169 | 5 | BUH | 83752.37190599991 | 0.060453321647919805 | 5 SOGEBL | 7654589.09681 | 0.020791358191306192 | 6 | SOGEBL | 151624.50878000003 | 0.024197347616071552 | 6 | SOGEBL | 62557.07145000003 | 0.045154336237345785 | 6 CBNA | 5813251 | 0.01578992448429907 | 7 | CBNA | 81212 | 0.0129604046892425 | 7 | BPH | 695.9148900000073 | 0.0005023185102383149 | 7 BPH | 4839311.30253 | 0.013144514149305384 | 8 | BPH | 51258.680120000005 | 0.00818023491838188 | 8 | CBNA | -219 | -0.0001580764477423235 | 8 TOTAL | 368162052.0592411 | 1 | TOTAL | 6266162.357368996 | 0.9999999999999999 | TOTAL | 1385405.625744997 | 1.0000000000000004 POUR LE TROISIEME TRIMESTRE DE L'EXERCICE 2018-2019 AU 30 JUIN 2019 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 122770986.29197413 | 0.3425001523918912 | 1 | UNIBK | 2120289.1178900003 | 0.3533224267828577 | 1 | UNIBK | 794555.0229900003 | 0.46363866266540904 | 1 SOGEBK | 94763382.71782966 | 0.2643659874560243 | 2 | SOGEBK | 1523313.87906883 | 0.2538431914607083 | 2 | BNC | 296003.4 | 0.17272387254437044 | 2 BNC | 72149675 | 0.20127943440771123 | 3 | BNC | 885929.4 | 0.14763020897724585 | 3 | CAPITALBK | 287351 | 0.16767502501490655 | 3 CAPITALBK | 26534261 | 0.07402390996919377 | 4 | CAPITALBK | 752542 | 0.1254026931764027 | 4 | SOGEBK | 221087.7460788302 | 0.12900909812131214 | 4 BUH | 24575999.996549282 | 0.06856085463045195 | 5 | BUH | 504059.98406999995 | 0.08399594909630645 | 5 | BUH | 112102.05401500006 | 0.06541377865811339 | 5 SOGEBL | 7595597.83479 | 0.021189806276673696 | 6 | CBNA | 97950 | 0.016322270114662897 | 6 | CBNA | 7970 | 0.004650653553907261 | 6 CBNA | 5563685 | 0.015521280865404687 | 7 | SOGEBL | 77229.70108 | 0.012869464440045256 | 7 | SOGEBL | 1425.4771399999918 | 0.000831794269404582 | 7 BPH | 4501687.09695 | 0.01255857400264918 | 8 | BPH | 39689.41262 | 0.006613795951770807 | 8 | BPH | -6757.070099999997 | -0.003942884827423523 | 8 TOTAL | 358455274.93809307 | 0.9999999999999999 | TOTAL | 6001003.494728831 | 1 | TOTAL | 1713737.6301238309 | 0.9999999999999999 POUR LE QUATRIEME TRIMESTRE DE L'EXERCICE 2017-2018 AU 30 SEPTEMBRE 2018 PASSIF | REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang | Montant | % | Rang UNIBK | 102710532.88788833 | 0.3426308550503039 | 1 | UNIBK | 1586802.75936 | 0.2990758464353313 | 1 | UNIBK | 712613.0062599999 | 0.4227504545603384 | 1 SOGEBK | 79760682.61373822 | 0.2660727202454581 | 2 | SOGEBK | 1447635.5874946953 | 0.2728460333876061 | 2 | SOGEBK | 329352.0613346951 | 0.19538477745496938 | 2 BNC | 61246946 | 0.20431296467038737 | 3 | BNC | 1040139 | 0.19604229322166425 | 3 | BNC | 324189 | 0.19232184356660179 | 3 CAPITALBK | 20882121 | 0.06966042111088697 | 4 | CAPITALBK | 562891 | 0.10609201508051887 | 4 | CAPITALBK | 136901 | 0.08121513285802835 | 4 BUH | 18824847.181021787 | 0.06279758564649976 | 5 | BUH | 419496.68698999996 | 0.07906548309063527 | 5 | BUH | 98734.74104899997 | 0.058573385965022595 | 5 SOGEBL | 6702123.224470001 | 0.02235753380385239 | 6 | SOGEBL | 109047.10858999996 | 0.020552873449774918 | 6 | SOGEBL | 67229.84916999994 | 0.03988342767669157 | 6 CBNA | 6120906 | 0.020418658120990425 | 7 | CBNA | 93532 | 0.01762863210552503 | 7 | CBNA | 14817 | 0.008790035306954705 | 7 BPH | 3522078.8690700005 | 0.011749261351620976 | 8 | BPH | 46142.61988 | 0.008696823228944163 | 8 | BPH | 1822.1003800000035 | 0.0010809426113933735 | 8 TOTAL | 299770237.7761884 | 0.9999999999999999 | TOTAL | 5305686.762314696 | 0.9999999999999999 | TOTAL | 1685658.7581936948 | 1.0000000000000002 [partdemarc. (3)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER PARTS DE MARCHÉ (En milliers de gourdes et en pourcentage ) CUMUL 2019 (Octobre 18 - Septembre 19) REVENUS BRUTS (P.N.B.) | REVENUS NETS (Bénéf.) Montant | % | Rang | Montant | % | Rang UNIBK | 7842833.35944 | 0.3325372084576498 | 1 | UNIBK | 2823927.43159 | 0.4126249915004626 | 1 SOGEBK | 5829384.219884226 | 0.2471666892136783 | 2 | BNC | 1384356.3338100002 | 0.20227857631254353 | 2 BNC | 4151203.2438100004 | 0.1760115860137929 | 3 | SOGEBK | 1075128.2394742258 | 0.157094964874922 | 3 CAPITALBK | 2818234 | 0.11949350753607654 | 4 | CAPITALBK | 950182 | 0.13883814268312833 | 4 BUH | 1958311.64928 | 0.08303268210561159 | 5 | BUH | 428041.477766 | 0.06254431652501627 | 5 CBNA | 414927 | 0.017592961621150562 | 6 | SOGEBL | 105870.32910000005 | 0.015469499377483008 | 6 SOGEBL | 389556.38028000004 | 0.01651724387070587 | 7 | CBNA | 77023 | 0.011254402066006926 | 7 BPH | 180379.63395500003 | 0.007648121181334312 | 8 | BPH | -717.8701849999488 | -0.00010489333956335378 | 8 TOTAL | 23584829.48664923 | 0.9999999999999998 | TOTAL | 6843810.941555225 | 0.9999999999999993 CUMUL 2018 (Octobre 17 - Septembre 18) REVENUS BRUTS (P.N.B.) | REVENUS NETS Montant | % | Rang | Montant | % | Rang UNIBK | 5542418.25682 | 0.2981610683922343 | 1 | BNC | 1342889 | 0.25507302039976 | 1 SOGEBK | 4932881.844467363 | 0.26537032263655286 | 2 | UNIBK | 1947479.9379299995 | 0.36991113184763746 | 2 BNC | 3701996 | 0.19915333549314002 | 3 | SOGEBK | 911859.5872573629 | 0.1732017903953447 | 3 CAPITALBK | 2097493 | 0.11283716328259477 | 4 | CAPITALBK | 520902 | 0.09894194268645864 | 4 BUH | 1436391.54678 | 0.07727241402081138 | 5 | BUH | 364857.06596499996 | 0.06930222366099283 | 5 SOGEBL | 370305.26733000006 | 0.019921018050653865 | 6 | SOGEBL | 139465.30609000003 | 0.026490526667024113 | 6 CBNA | 348091 | 0.018725974772836763 | 7 | CBNA | 33149 | 0.006296436677366218 | 7 BPH | 159094.928 | 0.00855870335117622 | 8 | BPH | 4121.897910000029 | 0.000782927665416252 | 8 TOTAL | 18588671.84339736 | 1.0000000000000002 | TOTAL | 5264723.7951523615 | 1.0000000000000002 [partdemarc. (4)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes ) AU 30 SEPTEMBRE 2019 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 38736782.90442001 | 1 | SOGEBL | 65175.36109973154 | 1 | CBNA | 4561364 | 1 | CBNA | 160047.8596491228 | 1 SOGEBK | 32111842.915229995 | 2 | BUH | 40616.39990224795 | 2 | SOGEBK | 2006442.833948589 | 2 | UNIBK | 91362.82304430746 | 2 BNC | 21240071.6 | 3 | UNIBK | 30918.912988018914 | 3 | UNIBK | 1999743.1699094535 | 3 | BNC | 80283.04980595084 | 3 BUH | 15103214.604820965 | 4 | BNC | 28822.050452781372 | 4 | SOGEBL | 1759363.2271966666 | 4 | SOGEBL | 70846.84136362416 | 4 CAPITALBK | 11531934 | 5 | SOGEBK | 24719.567164459255 | 5 | BNC | 1443227.8488372094 | 5 | SOGEBK | 63908.91989614024 | 5 SOGEBL | 4681835.28272 | 6 | CBNA | 21424.035087719298 | 6 | CAPITALBK | 1096041.8636363635 | 6 | BUH | 58784.715703038935 | 6 BPH | 735168.3774700001 | 7 | CAPITALBK | 14844.011508951407 | 7 | BUH | 1055325.6104783658 | 7 | CAPITALBK | 30834.937340153454 | 7 CBNA | 610585 | 8 | BPH | 3657.9154317506627 | 8 | BPH | 677179.9566533334 | 8 | BPH | 10777.399840636604 | 8 TOTAL | 124751434.68466099 AU 30 JUIN 2019 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 38529961.175417 | 1 | SOGEBL | 65465.14738581081 | 1 | CBNA | 4344398 | 1 | CBNA | 152435.01754385966 | 1 SOGEBK | 32194562.729650002 | 2 | BUH | 40899.77107987368 | 2 | UNIBK | 1943350.7440098575 | 2 | UNIBK | 89137.47975687761 | 2 BNC | 19740447 | 3 | UNIBK | 30735.62042152392 | 3 | SOGEBK | 1967496.5334206896 | 3 | BNC | 79108.06936416186 | 3 BUH | 14688171.299303299 | 4 | BNC | 26404.79897238279 | 4 | SOGEBL | 1710798.8964333332 | 4 | SOGEBL | 69356.71201756757 | 4 CAPITALBK | 11118727 | 5 | SOGEBK | 24364.800771096445 | 5 | BNC | 1432224 | 5 | SOGEBK | 62047.92881341375 | 5 SOGEBL | 4683890.061249999 | 6 | CBNA | 23848.59649122807 | 6 | CAPITALBK | 1072538.5454545454 | 6 | BUH | 56140.516996575636 | 6 BPH | 779968.12146 | 7 | CAPITALBK | 14715.31884057971 | 7 | BUH | 1071101.969013614 | 7 | BPH | 31298.44623330769 | 7 CBNA | 679685 | 9 | BPH | 10918.50886823077 | 8 | BPH | 678133.0017216667 | 8 | CAPITALBK | 31088.073781291172 | 8 TOTAL | 122415412.3870803 AU 30 SEPTEMBRE 2018 Portefeuille Net | Rang | Crédit bruts/Employés | Rang | Dépôts/Nbre d'agences | Rang | DÉPÔTS/EMPLOYÉS | Rang UNIBK | 32150952.53642 | 1 | SOGEBL | 57840.51959810811 | 1 | CBNA | 5141852 | 1 | CBNA | 165866.1935483871 | 1 SOGEBK | 28261873.66338 | 2 | BUH | 40858.33713776665 | 2 | UNIBK | 1673586.2160681926 | 2 | UNIBK | 74610.30017828991 | 2 BNC | 15966768 | 3 | UNIBK | 24876.506776641043 | 3 | SOGEBK | 1644061.8302518192 | 3 | BNC | 66847.50755667506 | 3 BUH | 11190428.308710668 | 4 | BNC | 20787.862720403024 | 4 | SOGEBL | 1456157.9180866666 | 4 | SOGEBL | 59033.42911162162 | 4 CAPITALBK | 9273951 | 5 | SOGEBK | 20150.276797135906 | 5 | BNC | 1263736.2142857143 | 5 | BUH | 55132.673938768174 | 5 SOGEBL | 4151627.7225300004 | 6 | CBNA | 17857.74193548387 | 6 | BUH | 1084932.262152188 | 6 | SOGEBK | 49144.705388132235 | 6 BPH | 674025.62975 | 7 | CAPITALBK | 12492.810738255033 | 7 | CAPITALBK | 858442.9545454546 | 7 | CAPITALBK | 25349.993288590606 | 7 CBNA | 553590 | 8 | BPH | 10114.145490965251 | 8 | BPH | 517986.55646833335 | 8 | BPH | 23999.377133667953 | 8 102223216.86079067 [partdemarc. (5)] SYSTÈME BANCAIRE SOMMAIRE FINANCIER CLASSEMENT PAR RENTABILITÉ ET PAR PRODUCTIVITÉ (En milliers de gourdes et en pourcentage) AU 30 JUIN 2004 | TRIM 4 2019 | AU 30 SEPTEMBRE 2019 COEFICIENT R.O.A. | Rang | R.O.E. | Rang | D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang BPH | -0.0064210399709367155 | 1 | BPH | 0 | 1 | SOGEBL | 0.43060720133796815 | 1 | CBNA | 11398.17543859649 | 1 | CBNA | 219350.0350877193 | 1 BNC | 0.015348468920800612 | 2 | SCOTIA | 0 | 2 | CAPITALBK | 0.6124649307584453 | 2 | SOGEBL | 8140.91322308725 | 2 | SOGEBL | 113016.61271797297 | 2 SOGEBL | 0.0007133478599065058 | 3 | SOGEBL | 0.008625381973971434 | 3 | BUH | 0.6150987278894205 | 3 | BNC | 6317.4704466235435 | 3 | UNIBK | 108273.44418083926 | 3 SCOTIA | 0 | 4 | SOCABK | #REF! | 4 | BNC | 0.6654913670758014 | 4 | BUH | 5796.043891246683 | 4 | BNC | 104678.13085912653 | 4 SOCABK | #REF! | 5 | BUH | 0.16055358059987018 | 5 | SOGEBK | 0.6863809888817263 | 5 | UNIBK | 5756.231666955496 | 5 | BUH | 79452.19723915143 | 5 CAPITALBK | 0.04079073852592352 | 6 | BNC | 0.16674153050067514 | 6 | UNIBK | 0.7032448524580133 | 6 | SOGEBK | 4829.368422545177 | 6 | SOGEBK | 77228.73414533187 | 6 BUH | 0.01681171770981441 | 7 | CAPITALBK | 0.46231775486665777 | 7 | BPH | 0.8990568060299869 | 7 | CAPITALBK | 3877.9693094629156 | 6 | CAPITALBK | 39562.41106719367 | 7 PROMOBK | #REF! | 8 | SOGEBK | 0.12251833124648655 | 8 | CBNA | 1.0039156774860858 | 8 | BPH | 1577.1901575384618 | 8 | BPH | 36892.34118153847 | 8 SOGEBK | 0.008782433794080328 | 9 | PROMOBK | #REF! | 9 | 9 | SCOTIA | #REF! | 9 | SCOTIA | #REF! | 9 UNIBK | 0.024293737400881286 | 10 | UNIBK | 0.2690181917584282 | 10 SOCABEL | #REF! | 13 | SOCABEL | #REF! | 13 TRIM 3 2019 | AU 30 JUIN 2019 AU 31 MARS 2004 | COEFICIENT D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang R.O.A. | Rang | R.O.E. | Rang CAPITALBK | 0.5509433360530044 | 1 | CBNA | 13747.368421052632 | 1 | CBNA | 210601.12280701756 | 1 CBNA | 0.016944913006644226 | 1 | CBNA | 0.25370448348949526 | 1 | UNIBK | 0.5915624209061623 | 2 | UNIBK | 6707.122555603006 | 2 | SOGEBL | 111586.11006364864 | 2 BNC | 0.02268186722825861 | 2 | BPH | 0 | 2 | BUH | 0.6044430267801003 | 3 | BUH | 5562.041203531034 | 3 | UNIBK | 106324.70395209441 | 3 BPH | -0.0007165057403698273 | 3 | SCOTIA | 0 | 3 | BNC | 0.6658837600377637 | 4 | BNC | 4551.981502890174 | 4 | BNC | 101888.55100813102 | 4 SCOTIA | 0 | 4 | BNC | 0.24308228074071578 | 4 | SOGEBL | 0.6673889116391749 | 5 | SOGEBK | 4468.834262028105 | 5 | BUH | 75436.88269416356 | 5 SOGEBL | 0.01244715147614746 | 5 | SOGEBL | 0.13454945739224075 | 5 | SOGEBK | 0.7015536173695637 | 6 | SOGEBL | 4174.578436756757 | 6 | SOGEBK | 74936.48774149615 | 6 PROMOBK | #REF! | 6 | PROMOBK | #REF! | 6 | CBNA | 0.8819499744767738 | 7 | CAPITALBK | 3965.965744400527 | 6 | CAPITALBK | 38424.39262187088 | 7 SOCABK | #REF! | 7 | SOCABK | #REF! | 7 | BPH | 1.0569942952206883 | 8 | BPH | 1221.212696 | 8 | BPH | 34289.87871638462 | 8 BUH | 0.020353999467605036 | 9 | UNIBK | 0.251103090571519 | 9 CAPITALBK | 0.04026412525316922 | 10 | CAPITALBK | 0.46150256114690935 | 10 SOGEBK | 0.009588939942352933 | 11 | BICH | #REF! | 11 BICH | #REF! | 12 | SOGEBK | 0.12987602941060108 | 12 SOCABEL | #REF! | 13 | SOCABEL | #REF! | 13 TRIM 4 2018 | AU 30 SEPTEMBRE 2018 COEFICIENT AU 30 SEPTEMBRE 2003 | D'EXPLOITATION | Rang | PNB/EMPLOYÉ | Rang | ACTIF/EMPLOYÉ | Rang R.O.A. | Rang | R.O.E. | Rang | SOGEBL | 0.3862848880145627 | 1 | CBNA | 12068.645161290322 | 1 | CBNA | 208940.83870967742 | 1 BUH | 0.5698611363662537 | 2 | BUH | 6090.695999854809 | 2 | SOGEBL | 99892.49282324324 | 2 BNC | 0.020720351733213273 | 1 | BPH | -0.09231568540463884 | 1 | BNC | 0.6210227671493906 | 3 | SOGEBL | 5894.43830216216 | 3 | UNIBK | 86933.14373548327 | 3 CBNA | 0.005161310613850931 | 2 | BNC | 0.2334540945330806 | 2 | UNIBK | 0.6306575030809883 | 4 | BNC | 5239.994962216625 | 4 | BNC | 85107.93447711586 | 4 BPH | 0.0012168757659851144 | 3 | SCOTIA | 0 | 3 | SOGEBK | 0.6560976872941655 | 5 | UNIBK | 4878.7171694388935 | 5 | BUH | 77585.03930880349 | 5 SOGEBL | 0.019216713801520603 | 4 | SOGEBK | 0.14290278896485956 | 4 | CAPITALBK | 0.6698241755508615 | 6 | SOGEBK | 4025.403093485423 | 6 | SOGEBK | 60232.01791915189 | 6 SCOTIA | 0 | 5 | PROMOBK | #REF! | 5 | CBNA | 0.7701962964546893 | 7 | CAPITALBK | 3022.23355704698 | 6 | CAPITALBK | 30908.072483221476 | 7 SOGEBK | 0.011383686790908908 | 6 | CBNA | 0.08867020109884818 | 6 | BPH | 0.781755499661932 | 8 | BPH | 1425.254668108108 | 8 | BPH | 26868.647029575288 | 8 UNIBK | 0.017060211186497757 | 8 | UNIBK | 0.1722516699332088 | 8 CAPITALBK | 0.02473652191211013 | 9 | CAPITALBK | 0.26492047330513085 | 9 SOCABK | #REF! | 10 | BUH | 0.18780239558858375 | 10 BUH | 0.018998121490414625 | 11 | SOCABK | #REF! | 11 SOCABEL | #REF! | 12 | BICH | #REF! | 12 BICH | #REF! | 13 | SOCABEL | #REF! | 13 * Banque dessaisie le 25 février 2002 [somfinbilsys] Sept.18 | Sept.17 | Sept. 16 | Sept. 15 SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN - ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 ACTIF Disponibilités Encaisse | 16158933.800232418 | 0.13254689979796264 | 18300750.379493736 | 0.13300330278772662 | 20734810.623460144 | 0.009747735457175142 | 20936928.072172258 | 0.41063749319563647 | 14842174.671496972 | 0.21247103420308375 | 12241261.23660532 | -0.0604591257162473 | 13028982.103559138 | -0.011758012644422439 | 13183999.739196675 Avoirs à la BRH | 116992179.80832326 | 0.06253593100238454 | 124308394.69263513 | 0.06159994248407299 | 131965784.6559889 | 0.023186859209471205 | 135025656.7252747 | 0.23709477272798876 | 109147382.805217 | 0.1269727407497038 | 96850064.65427738 | 0.11192481900399151 | 87101270.69654852 | 0.24270713689675885 | 70089941.63665505 Avoirs à l'étranger | 15820337.073856303 | -0.02490180538154147 | 15426382.118972749 | 0.014200497772350697 | 15645444.423888652 | 0.2931882967048067 | 20232505.62571828 | 1.2254090391693744 | 9091589.57728957 | -0.2061638585200904 | 11452728.217111113 | 0.4297939052254671 | 8010055.278075275 | 0.1457571545693305 | 6991058.485762727 Avoirs dans les banques locales | 144551.311343474 | -0.39022291689771377 | 88144.07698963399 | 0.6150248036582805 | 142354.870633824 | -0.029695116058583153 | 138127.626228848 | -0.8788853765284528 | 1140470.260895436 | -0.15755267546489427 | 1353758.5409565999 | 1.3923211331383907 | 565876.5966677133 | -0.7368168369313579 | 2150124.6131011965 Autres liquidités | 2241092.173931701 | -0.07080719547891876 | 2082406.7222858442 | 0.12562447302499968 | 2344007.96939672 | -0.558551275739992 | 1034759.327745474 | -0.4821236607532927 | 1998081.87655496 | 0.00803854798826314 | 1982148.2824664996 | 0.09949093725881314 | 1802787.2857308642 | 0.4576151313642774 | 1236806.099867746 151357094.16768712 | 0.05846428191126769 | 160206077.99037707 | 0.06632909741183123 | 170832402.54336822 | 0.03825723186274454 | 177367977.37713957 | 0.30207288982375885 | 136219699.19145393 | 0.09961044681688762 | 123879960.93141691 | 0.12099460101397765 | 110508971.96058151 | 0.17999673132817426 | 93651930.5745834 Bons B.R.H. | 9021000 | -0.46070280456712115 | 4865000 | -0.35745118191161357 | 3126000 | -0.4113883557261676 | 1840000 | -0.8577942653991808 | 12939000 | 0.14839685520853757 | 11267011 | 0.07643790830940084 | 10466940 | 1.106887247975227 | 4967964 Bons du Trésor / M.E.F. | 4829624.70755 | 0.9720706043972458 | 9524360.91603 | -0.321309095539357 | 6464097.1245099995 | 0.2895588003439667 | 8335833.33319 | 0.7954625829652365 | 4642721.8324 | 1.403342536976618 | 1931776.99848 | -0.11426958565101497 | 2180998.83123 | -0.10100977404118629 | 2426053.99731 Autres Placements | 56513252.69942516 | 0.05665464808426466 | 59714991.14320821 | 0.13101235969582403 | 67538393.04209515 | 0.0024024022890876077 | 67700647.43214078 | 0.25753423219696425 | 53836027.440672494 | -0.09244347205307948 | 59319751.203223296 | 0.09080428216646796 | 54381663.303894594 | 0.3451555865745468 | 40427786.82752832 Portefeuille net | 111927305.85941413 | 0.017856226515766432 | 113925905.1861393 | 0.07451779458824845 | 122415412.3870803 | 0.019082746625025605 | 124751434.68466097 | 0.22038259522344747 | 102223216.86079066 | 0.1728123902171812 | 87160757.9468537 | 0.09654951507682188 | 79486385.930094 | 0.17455236559078385 | 67673769.3939371 Immobilisations | 10064389.84127 | 0.019524027748233995 | 10260887.2678 | 0.02193901528149885 | 10486001.03037 | 0.03247685596193223 | 10826553.37545 | 0.07226507473117476 | 10096900.1328 | 0.11771238846897568 | 9033540.50377 | 0.0672067487208814 | 8464658.33785 | 0.1949698009417335 | 7083575.10891 Autres actifs | 10920621.49356051 | 0.23230477482916578 | 13457534.010616632 | -0.23399098514619868 | 10308592.369833972 | 0.07896681137091406 | 11122629.039002296 | 0.22068340827293415 | 9111804.882102054 | -0.18132754498830217 | 11129976.129430002 | 0.8973825891270564 | 5865963.034134648 | -0.11771750525263917 | 6648622.259942208 354633288.7689069 | 0.04884332152064734 | 371954756.5141712 | 0.05166257897377981 | 391170898.4972576 | 0.027543400558979952 | 401945075.24158365 | 0.221460006520873 | 329069370.34021914 | 0.08345306225712487 | 303722774.7131739 | 0.11927962988143419 | 271355581.39778477 | 0.21749795412187517 | 222879702.162211 PASSIF Dépôts À vue | 126818690.3895503 | 0.025335148480797962 | 130031660.7407099 | 0.02426421365919547 | 133186776.7393825 | 0.06767551251599385 | 142200260.11557347 | 0.1906349238459129 | 119432293.86909571 | 0.05395034046490931 | 113318710.83832355 | 0.14348460962183046 | 99099463.06649457 | 0.28612631102571784 | 77052667.54667376 Épargne | 90646768.50094078 | 0.060507814278721976 | 96131606.33436202 | 0.08334843360082818 | 104144025.14186254 | -0.002837749888856426 | 103848490.44609116 | 0.2550529695619238 | 82744308.77793108 | 0.1063927913699494 | 74787461.94240478 | 0.06889936135342738 | 69966794.48634884 | 0.14048330380819185 | 61348372.442386895 À terme | 69836978.01739252 | 0.05384838794177736 | 73597586.70235445 | 0.07427302798742061 | 79063902.31930503 | -0.007771149751690285 | 78449484.8944287 | 0.20034062165813882 | 65356019.348957255 | 0.17846322053235314 | 55458683.99646249 | 0.06960873420623524 | 51849505.54617413 | 0.26071392808546084 | 41127098.21879542 287302436.9078836 | 0.04336342219588364 | 299760853.77742636 | 0.05549040247755105 | 316394704.2005501 | 0.025612095107656177 | 324498235.4560933 | 0.2129295972771665 | 267532621.99598402 | 0.09840403716665293 | 243564856.77719083 | 0.10252366495016321 | 220915763.09901753 | 0.2305355879268533 | 179528138.20785606 Obligations à vue Banques locales | 2575810.1933500003 | -1 | 0 | 0 | 400000 | 0 | 400000 | -0.8117010008245831 | 2124281.0729300003 | -0.09381830926488884 | 2344210.98401 | 0.590904330228142 | 1473508.45646 | -0.7068261771434607 | 5026057.3816 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 687247.888766208 | 0 | 0 Autres | 10161035.446352102 | 0.08861030425427394 | 11061407.888791824 | 0.23173294006050862 | 13624700.460070057 | 0.03484422851719205 | 14099442.63637903 | 0.6913444045749774 | 8336233.943980273 | -0.22167663312105804 | 10710501.956800258 | 0.5174397942406869 | 7058271.436831335 | -0.08278242591107127 | 7695307.674236735 12736845.639702102 | -0.13154259683321912 | 11061407.888791824 | 0.26789470210938016 | 14024700.460070057 | 0.03385043250375426 | 14499442.63637903 | 0.38611173665345355 | 10460515.016910274 | -0.19871734718810077 | 13054712.940810258 | 0.41606178541059247 | 9219027.782057542 | -0.2753114354007374 | 12721365.055836735 Obligations à terme Banques locales | 9091193.633389998 | 0.6591513410033354 | 15083666.10816 | -0.09620599595909644 | 13632526.98751 | 0.16590425988242255 | 15894221.287699997 | 0.7511995793061917 | 9076190.67268 | 0.23654504556426634 | 7339959.59568 | 0.8598289701578085 | 3946577.73024 | 0.7950208562934555 | 2198625.0000400003 Banque à l'étranger | 2233685.36856 | -0.5342678891026383 | 1040299.0017799999 | -0.678004683204686 | 334971.40664 | -0.9980304756557653 | 659.73434 | -0.9996995103441091 | 2195530.95112 | 0.38687793837260204 | 1583074.39348 | -0.059353988167959636 | 1682965.0831100002 | 0.12237544627236939 | 1499467.12457 Autres | 6086297.543869221 | 0.08244458146726404 | 6588079.797558756 | 0.034374579948992304 | 6814542.27327028 | 0.010942103702987937 | 6889107.701512799 | 0.3037422653565075 | 5284102.45228107 | -0.13341106728331595 | 6097588.2021893 | 0.08978685908100306 | 5595211.71629036 | -0.08755659428050128 | 6132119.188124669 17411176.54581922 | 0.3044520482421036 | 22712044.907498755 | -0.0849771232814555 | 20782040.66742028 | 0.09633067744261248 | 22783988.723552797 | 0.3761917630225263 | 16555824.076081071 | 0.10220627782089647 | 15020622.191349301 | 0.3381693249224719 | 11224754.529640362 | 0.141862994857406 | 9830211.31273467 Autres passifs | 6015946.846115909 | 0.029883277887298207 | 6195723.0574736055 | 0.1707801563697595 | 7253829.610052672 | -0.12041148107838223 | 6380385.243216006 | 0.22199715231366923 | 5221276.687212977 | 0.12053651410256067 | 4659622.084153772 | -0.13806339018836183 | 5405991.61366641 | 0.489857799902895 | 3628528.584418431 323466405.9395208 | 0.05027917395140751 | 339730029.63119054 | 0.055118016288494054 | 358455274.93809307 | 0.02707946513780403 | 368162052.0592411 | 0.2281474464923859 | 299770237.7761884 | 0.08494549251935435 | 276299813.99350417 | 0.11968558221403555 | 246765537.02438188 | 0.19958993005172274 | 205708243.16084588 AVOIR DES ACTIONNAIRES Capital versé | 12990673.7646 | -0.0017596664687471752 | 12967814.51157 | -0.00027180755838658756 | 12964289.76157 | -0.00017355366482702875 | 12962039.76157 | -0.0022020710292995683 | 12990646.08697 | 0.04997540071775057 | 12372333.75 | 0.605190879037211 | 7707702.49917 | 0.0563777739528823 | 7296350.5 Réserves | 4734475.15174 | 0.18209396667614922 | 5596594.51225 | 0.06993138776685381 | 5987972.1332600005 | 0.0014269814003539012 | 5996516.85812 | 0.24438547225760932 | 4818857.97593 | 0.08643191474071059 | 4435490.07586 | 0.3611220667307452 | 3258701.1733 | 0.3008943130621067 | 2504969.95842 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 194000 | -0.17525773195876287 | 160000 | -6.250000000363798e-07 | 159999.9 | -0.17525824742268045 | 194000 | -0.24403742667344083 | 256626.46120999998 | 0.014286504188433267 | 253011.80697 | 0.34256966781671444 | 188453.39131 Surplus d'apport | 1534070.56049 | 0.04447925410823685 | 1602304.87477 | -0.01894607159224767 | 1571947.4919000003 | -0.006015671673975904 | 1562491.1719 | 0.0031615761079053705 | 1557566.8059 | 1.439654691886571 | 638437.4030800001 | 0.3079317264896431 | 488127.46885000006 | 1.1827958901656908 | 223624.87993 BNR | 11713663.372264598 | 0.012835402597568012 | 11864012.95754 | 0.014110002825697458 | 12031414.213895 | 0.08898050168172404 | 13101975.486588003 | 0.3454397660104336 | 9738061.723445745 | 0.0018506702954555752 | 9720073.072939998 | -0.24548247672754428 | 12882501.430559998 | 0.8514501072236478 | 6958060.268703662 31166882.8490946 | 0.033941283514213466 | 32224726.856129996 | 0.015233542449767044 | 32715623.600625 | 0.032626600384674076 | 33783023.178178005 | 0.15303833899570668 | 29299132.592245743 | 0.06841609282689057 | 27422960.76309 | 0.11520582641471785 | 24590044.378849998 | 0.4320299970546054 | 17171458.998363666 354633288.78861535 | 0.04884332138664491 | 371954756.48732054 | 0.051662579161163534 | 391170898.53871804 | 0.027543400439423684 | 401945075.2374191 | 0.22146000640348742 | 329069370.36843413 | 0.08345306219513143 | 303722774.7565942 | 0.11927963001897858 | 271355581.40323186 | 0.21749795416271042 | 222879702.15920955 Hors-bilan Effets à l'encaissement | 1089167.554201979 | 1148051.915887058 | 1165845.606896772 | 1158998.117186356 | 957140.516234722 | 740077.8550473 | 111672.726774491 | 95644.600398807 Crédit documentaire | 2931163.3386607394 | 3141555.3117496083 | 3396176.837986672 | 3511756.937318244 | 2897345.985376848 | 2393797.4631891 | 2399450.3064578963 | 1751587.407679134 Autres | 23936688.76415272 | 19757908.23141905 | 18050262.92951883 | 20358721.079468198 | 21432265.453924444 | 11985685.4212054 | 7536052.368239503 | 14431999.004632572 Portefeuille brut | 114449573.1426098 | 0.019250080488408622 | 116652736.63746905 | 0.07654002443646288 | 125581339.9502812 | 0.02457900229523201 | 128668003.99315748 | 0.23052788207132727 | 104563257.66188471 | 0.16777067813532764 | 89540917.2534193 | 0.09280035111390582 | 81937123.42986444 | 0.17227701910588344 | 69895700.499494 Provisions pour créances douteuses | 2522267.283195678 | 0.0811032873070127 | 2726831.4513297756 | 0.16102796220023255 | 3165927.563200912 | 0.2371001010953842 | 3916569.3084965115 | 0.6737183841689384 | 2340040.801094044 | -0.01685538667974461 | 2380159.3065656 | -0.02879875678706656 | 2450737.4997704322 | 0.10297636755761116 | 2221931.105556914 Portefeuille de crédit improductif | 3340247.8643588843 | 0.5214344009980749 | 5081968.008695958 | 0.8452713894281422 | 9377610.16843576 | -0.10322139354332434 | 8409640.178743772 | 2.157719483047736 | 2663200.523001188 | 0.013574335507895198 | 2627533.5016909996 | -0.05542723782667611 | 2781716.3557050163 | 0.01340664494169373 | 2744916.238303393 Graphe Dépots US | 182570832.92915362 | 196230583.0649764 | 216443043.13337007 | 224551367.3166033 | 0.3193737626972472 | 164049831.25546405 | 0.054226199415042545 | 155611605.314391 | 0.12237445836659605 | 138644998.693978 | 0.5345502403979254 | 90348947.23161744 Graphe Bons BRH | Sept. 15 | Sept. 16 | Sept. 17 | Sept. 18 | Déc. 18 | Mars 19 | Juin 19 | Sept. 19 4967964 | 10466940 | 11267011 | 12939000 | 9021000 | 4865000 | 3126000 | 1840000 immobilisations/Avoir des Actionnaires | 0.3229193593084132 | 0.3184165784743683 | 0.3205196745865995 | 0.3204731950230956 liquidites/actif | 0.465855079337724 | 0.46939966716020504 | 0.46123702034327874 | 0.46659064201149597 liquidites/depot | 0.5750306911883483 | 0.5824490980268053 | 0.5702450049654293 | 0.5779501711210551 comm/sal | 0.7679126923091364 | 0.6810058224650505 | 0.6812202154227083 | 0.643692105546479 [sofibilcompsys] SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN - ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 18 | Comp. | Mars 19 | Comp. | Juin 19 | Comp. | Sept. 19 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. | 2015 | Comp. ACTIF Disponibilités Encaisse | 16158933.800232418 | 0.045565191740254876 | 18300750.379493736 | 0.04920154954059982 | 20734810.623460144 | 0.053007037852550044 | 20936928.072172258 | 0.05208902748612706 | 14842174.671496972 | 0.045103482758519595 | 12241261.23660532 | 0.04030406099169078 | 13028982.103559138 | 0.0480144246027493 | 13183999.739196675 | 0.05915298527095756 Avoirs à la BRH | 116992179.80832326 | 0.3298962153678698 | 124308394.69263513 | 0.33420299785277535 | 131965784.6559889 | 0.3373609467446467 | 135025656.7252747 | 0.33593061600299334 | 109147382.805217 | 0.3316850264501111 | 96850064.65427738 | 0.3188765305655445 | 87101270.69654852 | 0.3209857348350071 | 70089941.63665505 | 0.31447431487342825 Avoirs à l'étranger | 15820337.073856303 | 0.04461041186735705 | 15426382.118972749 | 0.041473813276494596 | 15645444.423888652 | 0.03999644269037651 | 20232505.62571828 | 0.05033649339666074 | 9091589.57728957 | 0.027628185412364368 | 11452728.217111113 | 0.03770783481063184 | 8010055.278075275 | 0.029518667855713637 | 6991058.485762727 | 0.03136695902740691 Avoirs dans les banques locales | 144551.311343474 | 0.0004076078470954523 | 88144.07698963399 | 0.00023697526499106826 | 142354.870633824 | 0.0003639198907196365 | 138127.626228848 | 0.0003436480124699333 | 1140470.260895436 | 0.0034657441976940102 | 1353758.5409565999 | 0.004457217744816951 | 565876.5966677133 | 0.002085369292029358 | 2150124.6131011965 | 0.009647018513764632 Autres liquidités | 2241092.173931701 | 0.0063194636400647815 | 2082406.7222858442 | 0.00559854844121749 | 2344007.96939672 | 0.005992286180801237 | 1034759.327745474 | 0.0025743799127867055 | 1998081.87655496 | 0.006071916916755812 | 1982148.2824664996 | 0.0065261759982878365 | 1802787.2857308642 | 0.006643634438785055 | 1236806.099867746 | 0.005549209227530299 151357094.16768712 | 0.4267988904626418 | 160206077.99037707 | 0.43071388437607827 | 170832402.54336822 | 0.43672063335909406 | 177367977.37713957 | 0.4412741648110378 | 136219699.19145393 | 0.4139543557354449 | 123879960.93141691 | 0.4078718201109719 | 110508971.96058151 | 0.4072478310242844 | 93651930.5745834 | 0.42019048691308764 Bons B.R.H. | 9021000 | 0.02543754431885395 | 4865000 | 0.013079547753584508 | 3126000 | 0.007991392028417768 | 1840000 | 0.00457773987874859 | 12939000 | 0.03931997677760951 | 11267011 | 0.037096365297729826 | 10466940 | 0.038572783158111405 | 4967964 | 0.02228988980066177 Bons du Trésor / M.E.F. | 4829624.70755 | 0.013618644556228266 | 9524360.91603 | 0.025606235030542296 | 6464097.1245099995 | 0.01652499495576693 | 8335833.33319 | 0.02073873732170959 | 4642721.8324 | 0 | 1931776.99848 | 0.006360329745783168 | 2180998.83123 | 0.008037420199707766 | 2426053.99731 | 0 Autres Placements | 56513252.69942516 | 0.15935687508526994 | 59714991.14320821 | 0.16054369542907868 | 67538393.04209515 | 0.17265699800663636 | 67700647.43214078 | 0.16843258346043977 | 53836027.440672494 | 0 | 59319751.203223296 | 0.19530886763181646 | 54381663.303894594 | 0.2004073880617019 | 40427786.82752832 | 0.1813883742455162 Portefeuille net | 111927305.85941413 | 0.315614211649348 | 113925905.1861393 | 0.30628968494397735 | 122415412.3870803 | 0.31294611346947765 | 124751434.68466097 | 0.31036935732993076 | 102223216.86079066 | 0.31064336603283327 | 87160757.9468537 | 0.2869747190646652 | 79486385.930094 | 0.29292334994788094 | 67673769.3939371 | 0.30363361372712344 Immobilisations | 10064389.84127 | 0.028379709858056656 | 10260887.2678 | 0.027586385408702438 | 10486001.03037 | 0.026806700270018975 | 10826553.37545 | 0.026935404965324795 | 10096900.1328 | 0.0306831964408021 | 9033540.50377 | 0.029742716898003403 | 8464658.33785 | 0.031193971740870567 | 7083575.10891 | 0.031782055701755206 Autres actifs | 10920621.49356051 | 0.030794124069601428 | 13457534.010616632 | 0.03618056705803656 | 10308592.369833972 | 0.026353167910588428 | 11122629.039002296 | 0.02767201223280865 | 9111804.882102054 | 0.027689617154831262 | 11129976.129430002 | 0.036645181251029973 | 5865963.034134648 | 0.02161725586744292 | 6648622.259942208 | 0.029830541747150066 354633288.7689069 | 1 | 371954756.5141712 | 1 | 391170898.4972576 | 1 | 401945075.24158365 | 1 | 329069370.34021914 | 1 | 303722774.7131739 | 1 | 271355581.39778477 | 1 | 222879702.162211 | 1 PASSIF Dépôts À vue | 126818690.3895503 | 0.35760514989947934 | 130031660.7407099 | 0.3495899930392631 | 133186776.7393825 | 0.34048232435244985 | 142200260.11557347 | 0.35378032690189304 | 119432293.86909571 | 0.3629395642189874 | 113318710.83832355 | 0.3730991557855288 | 99099463.06649457 | 0.36520149154854853 | 77052667.54667376 | 0.3457141534162457 Épargne | 90646768.50094078 | 0.2556070492299718 | 96131606.33436202 | 0.25844972984153647 | 104144025.14186254 | 0.266236638619968 | 103848490.44609116 | 0.25836487829506166 | 82744308.77793108 | 0.2514494396497102 | 74787461.94240478 | 0.24623593674538125 | 69966794.48634884 | 0.25784173712566216 | 61348372.442386895 | 0.27525329515084235 À terme | 69836978.01739252 | 0.1969273055550661 | 73597586.70235445 | 0.1978670400456364 | 79063902.31930503 | 0.2021211256334278 | 78449484.8944287 | 0.19517463884158226 | 65356019.348957255 | 0.19860863769054773 | 55458683.99646249 | 0.18259639583773687 | 51849505.54617413 | 0.19107587645365973 | 41127098.21879542 | 0.1845259923618494 287302436.9078836 | 0.8101395046845172 | 299760853.77742636 | 0.8059067629264359 | 316394704.2005501 | 0.8088400886058457 | 324498235.4560933 | 0.807319844038537 | 267532621.99598402 | 0.8129976415592453 | 243564856.77719083 | 0.801931488368647 | 220915763.09901753 | 0.8141191051278704 | 179528138.20785606 | 0.8054934409289374 Obligations à vue Banques locales | 2575810.1933500003 | 0.007263306279824453 | 0 | 0 | 400000 | 0.0010225709569312562 | 400000 | 0.0009951608432062153 | 2124281.0729300003 | 0.00645542023778677 | 2344210.98401 | 0.007718258817514747 | 1473508.45646 | 0.005430175597899197 | 5026057.3816 | 0.022550538846027597 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 687247.888766208 | 0.002532646961695472 | 0 | 0 Autres | 10161035.446352102 | 0.028652232512141395 | 11061407.888791824 | 0.029738584317231045 | 13624700.460070057 | 0.034830557468388916 | 14099442.63637903 | 0.03507803305689154 | 8336233.943980273 | 0.025332755629494122 | 10710501.956800258 | 0.03526407253099447 | 7058271.436831335 | 0.026011152600854355 | 7695307.674236735 | 0.034526731683426785 12736845.639702102 | 0.03591553879196585 | 11061407.888791824 | 0.029738584317231045 | 14024700.460070057 | 0.035853128425320166 | 14499442.63637903 | 0.03607319390009776 | 10460515.016910274 | 0.031788175867280895 | 13054712.940810258 | 0.04298233134850921 | 9219027.782057542 | 0.03397397516044902 | 12721365.055836735 | 0.057077270529454376 Obligations à terme Banques locales | 9091193.633389998 | 0.025635477326309827 | 15083666.10816 | 0.04055242161578682 | 13632526.98751 | 0.03485056541752319 | 15894221.287699997 | 0.039543266646934264 | 9076190.67268 | 0.027581390098070455 | 7339959.59568 | 0.02416664210516193 | 3946577.73024 | 0.014543934235333249 | 2198625.0000400003 | 0.009864626427218793 Banque à l'étranger | 2233685.36856 | 0.006298577824755638 | 1040299.0017799999 | 0.0027968428513438443 | 334971.40664 | 0.0008563300795811844 | 659.73434 | 1.6413544552162396e-06 | 2195530.95112 | 0.006671939563533605 | 1583074.39348 | 0.005212234726141314 | 1682965.0831100002 | 0.006202065476010656 | 1499467.12457 | 0.006727697094097396 Autres | 6086297.543869221 | 0.01716222852343479 | 6588079.797558756 | 0.01771204610824154 | 6814542.27327028 | 0.01742088253356622 | 6889107.701512799 | 0.01713942557293977 | 5284102.45228107 | 0.016057715875585528 | 6097588.2021893 | 0.020076163889743426 | 5595211.71629036 | 0.02061948270040646 | 6132119.188124669 | 0.027513134343932925 17411176.54581922 | 0.04909628367450026 | 22712044.907498755 | 0.06106131057537221 | 20782040.66742028 | 0.0531277780306706 | 22783988.723552797 | 0.056684333574329254 | 16555824.076081071 | 0.05031104553718959 | 15020622.191349301 | 0.04945504072104667 | 11224754.529640362 | 0.04136548241175037 | 9830211.31273467 | 0.044105457865249116 Autres passifs | 6015946.846115909 | 0.016963852623649602 | 6195723.0574736055 | 0.016657195395315648 | 7253829.610052672 | 0.018543888714419605 | 6380385.243216006 | 0.015873773896548333 | 5221276.687212977 | 0.015866796359122665 | 4659622.084153772 | 0.015341694703514316 | 5405991.61366641 | 0.01992216849131868 | 3628528.584418431 | 0.016280211025127812 323466405.9395208 | 0.9121151797746327 | 339730029.63119054 | 0.9133638532143549 | 358455274.93809307 | 0.9163648837762559 | 368162052.0592411 | 0.9159511454095123 | 299770237.7761884 | 0.9109636593228385 | 276299813.99350417 | 0.9097105551417172 | 246765537.02438188 | 0.9093807311913886 | 205708243.16084588 | 0.9229563803487686 AVOIR DES ACTIONNAIRES Capital versé | 12990673.7646 | 0.03663128695474845 | 12967814.51157 | 0.03486395666263226 | 12964289.76157 | 0.0331422654685568 | 12962039.76157 | 0.032248286046991224 | 12990646.08697 | 0.03947692267298897 | 12372333.75 | 0.04073561411943519 | 7707702.49917 | 0.028404436936460678 | 7296350.5 | 0.032736720433562606 Réserves | 4734475.15174 | 0.01335034048319466 | 5596594.51225 | 0.015046438886006755 | 5987972.1332600005 | 0.015307815985963437 | 5996516.85812 | 0.01491874693206746 | 4818857.97593 | 0.014643897032859258 | 4435490.07586 | 0.014603745405818628 | 3258701.1733 | 0.012008970504730524 | 2504969.95842 | 0.01123911210450601 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0.0005470439638463215 | 194000 | 0.0005215688107287553 | 160000 | 0.0004090283827725025 | 159999.9 | 0.00039806408849227525 | 194000 | 0.0005895413474655109 | 256626.46120999998 | 0 | 253011.80697 | 0 | 188453.39131 | 0.0008455385998893894 Surplus d'apport | 1534070.56049 | 0.004325794021806174 | 1602304.87477 | 0.004307795092570495 | 1571947.4919000003 | 0.004018569627594679 | 1562491.1719 | 0.0038873250803256785 | 1557566.8059 | 0.0047332475954527725 | 638437.4030800001 | 0 | 488127.46885000006 | 0 | 223624.87993 | 0.001003343407948592 BNR | 11713663.372264598 | 0.03303035485734585 | 11864012.95754 | 0.03189638726151897 | 12031414.213895 | 0.03075743686484732 | 13101975.486588003 | 0.032596432432250196 | 9738061.723445745 | 0.029592732114136697 | 9720073.072939998 | 0.03200310902637882 | 12882501.430559998 | 0.04747461380451696 | 6958060.268703662 | 0.031218905091858082 31166882.8490946 | 0.08788482028094147 | 32224726.856129996 | 0.08663614671345723 | 32715623.600625 | 0.08363511632973475 | 33783023.178178005 | 0.08404885458012684 | 29299132.592245743 | 0.0890363407629032 | 27422960.76309 | 0.09028944500124288 | 24590044.378849998 | 0.0906192688286851 | 17171458.998363666 | 0.0770436196377647 354633288.78861535 | 1.0000000000555742 | 371954756.48732054 | 0.9999999999278121 | 391170898.53871804 | 1.0000000001059905 | 401945075.2374191 | 0.9999999999896391 | 329069370.36843413 | 1.0000000000857419 | 303722774.7565942 | 1.00000000014296 | 271355581.40323186 | 1.0000000000200737 | 222879702.15920955 | 0.9999999999865333 [sofibilgdes&$ ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER BILAN DEVISES ET GOURDES (En milliers de gourdes) Septembre 19 | Septembre 18 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 15148984.42253226 | 5787943.6496399995 | 20936928.07217226 | 0.7235533489111573 | 9706996.46242697 | 5135178.209070001 | 14842174.67149697 | 0.6540144336845977 Avoirs à la BRH | 85165521.64694472 | 49860135.07833 | 135025656.7252747 | 0.6307358446715339 | 65118885.45023697 | 44028497.35497999 | 109147382.80521697 | 0.5966142639118274 Avoirs à l'étranger | 20232505.62571828 | 0 | 20232505.62571828 | 1 | 9091589.57728957 | 0 | 9091589.57728957 | 1 Avoirs dans les banques locales | 107966.37913884799 | 30161.24709 | 138127.62622884798 | 0.7816421818468867 | 1177233.7223854358 | -36763.46149 | 1140470.260895436 | 1.03223535303861 Autres liquidités | 568228.9175154739 | 466530.41023 | 1034759.327745474 | 0.5491411406297994 | 912034.99766496 | 1086046.8788899998 | 1998081.87655496 | 0.4564552676076852 121223206.99184957 | 56144770.385290004 | 177367977.37713957 | 0.683455992363781 | 86006740.2100039 | 50212958.98144999 | 136219699.19145387 | 0.6313825439382542 Bons B.R.H. | 0 | 1840000 | 1840000 | 0 | 0 | 12939000 | 12939000 | 0 Bons du Trésor / M.E.F. | 0 | 435833.33319000003 | 435833.33319000003 | 0 | 0 | 4642721.8324 | 4642721.8324 | 0 Autres Placements | 48823623.16868079 | 26777024.26346 | 75600647.43214078 | 0.6458095906189815 | 39371436.11915249 | 14464591.321519997 | 53836027.44067249 | 0.7313213472621093 Portefeuille net | 68007241.18060097 | 56744193.50406 | 124751434.68466097 | 0.5451419565033901 | 47812000.51269067 | 54411216.3481 | 102223216.86079067 | 0.4677215409665876 Immobilisations | 0 | 10826553.37545 | 10826553.37545 | 0 | 0 | 10096900.1328 | 10096900.1328 | 0 Autres actifs | 2912438.174086344 | 8210190.864915952 | 11122629.039002296 | 0.2618480004928395 | 1568692.0963057 | 7543112.785796354 | 9111804.882102054 | 0.172160413507868 240966509.51521766 | 160978565.72636598 | 401945075.24158365 | 0.5995010869840562 | 174758868.93815276 | 154310501.40206635 | 329069370.34021914 | 0.5310699952337484 PASSIF Dépôts À vue | 102125462.31607345 | 40074797.7995 | 142200260.11557347 | 0.7181805591148064 | 72230678.8240657 | 47201615.04503 | 119432293.8690957 | 0.6047834842997696 Épargne | 65600707.46745116 | 38247782.97864 | 103848490.44609116 | 0.6316963028124629 | 47975466.25897108 | 34768842.51896 | 82744308.77793108 | 0.5798038193506153 À terme | 56825197.5330787 | 21624287.36135 | 78449484.8944287 | 0.724353991738119 | 43843686.172427274 | 21512333.17652999 | 65356019.34895726 | 0.6708438887370332 224551367.3166033 | 99946868.13949001 | 324498235.4560933 | 0.6919956498407109 | 164049831.25546405 | 103482790.74051999 | 267532621.99598402 | 0.6131956171607612 Obligations à vue Banques locales | 0 | 400000 | 400000 | 0 | 0 | 2124281.0729300003 | 2124281.0729300003 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 7328261.760159029 | 6771180.876220001 | 14099442.63637903 | 0.519755422193132 | 3187814.512250272 | 5148419.43173 | 8336233.943980273 | 0.38240463663477725 7328261.760159029 | 7171180.876220001 | 14499442.63637903 | 0.505416790420099 | 3187814.512250272 | 7272700.504660001 | 10460515.016910274 | 0.3047473768831564 Obligations à terme Banques locales | 1866324 | 14027897.2877 | 15894221.2877 | 0 | 0 | 9076190.67268 | 9076190.67268 | 0 Banque à l'étranger | 659.73434 | 0 | 659.73434 | 1 | 2195530.95112 | 0 | 2195530.95112 | 1 Autres | 3291048.788362798 | 3598058.91315 | 6889107.701512798 | 0.47771771482685743 | 2265425.51656107 | 3018676.93572 | 5284102.45228107 | 0.42872475259882953 5158032.522702798 | 17625956.20085 | 22783988.723552797 | 0.22638847768436246 | 4460956.46768107 | 12094867.6084 | 16555824.076081071 | 0.2694493760734031 Autres passifs | 3709586.1941860057 | 2670799.02903 | 6380385.223216006 | 0.5814047372387657 | 3022615.2488429756 | 2198661.43837 | 5221276.687212976 | 0.5789034808757461 240747247.79365113 | 127414804.24559 | 368162052.03924114 | 0.6539165198046829 | 174721217.4842384 | 125049020.29194999 | 299770237.7761884 | 0.5828504483313219 AVOIR DES ACTIONNAIRES Capital versé | 0 | 12962039.76157 | 12962039.76157 | 0 | 0 | 12990646.08697 | 12990646.08697 | 0 Réserves | 0 | 5996516.858120001 | 5996516.858120001 | 0 | 0 | 4818857.97593 | 4818857.97593 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 159999.9 | 159999.9 | 194000 | 194000 Surplus d'apport | 0 | 1562491.1719 | 1562491.1719 | 0 | 0 | 1557566.8059 | 1557566.8059 | 0 BNR | 0 | 13101975.486588005 | 13101975.486588005 | 0 | 0 | 9738061.723445745 | 9738061.723445745 | 0 0 | 33783023.178178005 | 33783023.178178005 | 0 | 0 | 29299132.592245743 | 29299132.592245743 | 0 240747247.79365113 | 161197827.423768 | 401945075.21741915 | 0.5989555853207723 | 174721217.4842384 | 154348152.88419574 | 329069370.2684341 | 0.5309555773656837 *Converties au taux de 93.3162 gdes | *Converties au taux de 69.9774 Gdes [somfinrésys] TRIM 1 19 | TRIM 1 18 | TRIM 2 19 | TRIM 2 18 | TRIM 3 19 | TRIM 3 18 | TRIM 4 19 | TRIM 4 18 | CUMUL 19 | CUMUL 18 SYSTÈME BANCAIRE SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2019 | 2018 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 3008227.6791899996 | 0.045359153837964 | 3144678.34127 | 0.06238522555879946 | 3340859.8089000005 | 0.22159865210978671 | 4081189.8394400002 | 2502845.84124 | 0.015058058822083975 | 2540533.84114 | 0.04521839057985172 | 2655412.6926499996 | 0.06443142538392299 | 2826504.71742 Intérêts sur Bons B.R.H. | 376795.15267000004 | -0.34634714036328 | 246293.22904 | -0.5377466954988444 | 113849.859 | -0.49142249679905176 | 57901.47703 | 352956.99493 | 0.15321903457594127 | 407036.72494 | -0.03518726324292042 | 392714.21655 | -0.014945853989099728 | 386844.76721 Autres | 449619.64516689203 | 0.259361555038216 | 566233.695513108 | 0.23734334387343228 | 700625.49422 | 0.42264010623772585 | 996737.92753 | 321829.7295 | -0.03382263561204029 | 310944.59983 | 0.20836374050368395 | 375734.17974 | 0.023318871192562145 | 384495.87668000004 3834642.477026892 | 0.03196198590363571 | 3957205.265823108 | 0.05006813723009661 | 4155335.1621200005 | 0.2359602880697028 | 5135829.244000001 | 3177632.56567 | 0.025453729645720232 | 3258515.1659100004 | 0.05074272010755652 | 3423861.0889399997 | 0.050815225223948844 | 3597845.3613100005 Dépenses d'intérêt | 786158.94145 | 0.08339443862850189 | 851720.2250450001 | 0.16072367460543438 | 988611.82935 | 0.24873099661540077 | 1234510.23493 | 666348.76473 | 0.034519498283035376 | 689350.78977 | 0.12835511332266925 | 777832.4885099999 | 0.00455953873409675 | 781379.0458700001 3048483.535576892 | 0.018698314928057812 | 3105485.040778108 | 0.01971939686965887 | 3166723.33277 | 0.23197343092723985 | 3901319.0090700006 | 2511283.80094 | 0.02304820155266203 | 2569164.3761400003 | 0.029917986176300156 | 2646028.6004299996 | 0.06441265033276793 | 2816466.3154400005 AUTRES REVENUS Commissions | 1132508.76147 | -0.0486791808201479 | 1077379.1626900001 | 0.14956279078915555 | 1238514.9970000002 | -0.013022149024490327 | 1222386.87014 | 973046.1778999999 | 0.050930526809071355 | 1022603.9323500003 | 0.06585282780523401 | 1089945.29302 | 0.11415994499617223 | 1214373.38772 Gains sur change | 562478.8307800001 | 0.13456756426732955 | 638170.2369900001 | -0.380121601728351 | 395587.9443299999 | -0.17327017400919775 | 327044.35238 | 521829.2644900001 | -0.0487660287601363 | 496381.72357 | 0.10524605691416603 | 548623.9427 | 0.05229691848445098 | 577315.28431 Autres | 839381.4497364 | 0.08863093986287544 | 913776.6165300001 | 0.31342518392122504 | 1200177.2206288301 | -0.32059023303928075 | 815412.1257789972 | 250009.432150342 | 0.09868123742286689 | 274680.67228232604 | 0.38119607017727264 | 379387.86511 | 0.8385716544793876 | 697531.7748446955 2534369.0419864003 | 0.037467698133328835 | 2629326.0162100005 | 0.07794930886671017 | 2834280.1619588304 | -0.16562823250874242 | 2364843.348298997 | 1744884.874540342 | 0.027956832209250985 | 1793666.3282023263 | 0.12504598491987384 | 2017957.10083 | 0.23353486843246646 | 2489220.4468746954 PRODUIT NET BANCAIRE | 5582852.577563292 | 0.02721878776371716 | 5734811.056988109 | 0.04641694993880488 | 6001003.494728831 | 0.044185753744865865 | 6266162.357368998 | 4256168.675480342 | 0.025060573721258115 | 4362830.704342326 | 0.06902743134587683 | 4663985.70126 | 0.13758641260013674 | 5305686.762314696 Dotation à la provision pour créances douteuses | 159791.93955 | 0.5926363707499037 | 254490.45468000002 | 0.06232847817394604 | 270352.45743 | 1.5840406625520789 | 698601.74322 | 113391.81505000002 | 0.4850308397105064 | 168390.34231999997 | 0.12901453284485523 | 190115.14367000002 | 0.2717861710674105 | 241785.81062999996 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 5423060.638013292 | 0.010558606682995386 | 5480320.6023081085 | 0.04567806395948657 | 5730651.03729883 | -0.028459318511689563 | 5567560.614148999 | 4142776.8604303417 | 0.012470742048756632 | 4194440.362022326 | 0.06661918431305275 | 4473870.557589999 | 0.1318836534270531 | 5063900.951684696 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1474788.4399 | 0.07272406109805989 | 1582041.0445100002 | 0.14920100151580332 | 1818083.1527899997 | 0.04451997852011873 | 1899024.1757000003 | 1266189.89082 | 0.08389368381484003 | 1372415.22517 | 0.042902445703126534 | 1431295.19485 | 0.04403689416885495 | 1494324.9898700002 Frais de locaux | 233779.50397999998 | 0.06039245727835304 | 247898.0226866667 | 0.06438001507111259 | 263857.7011233333 | 0.09665366615449315 | 289360.51528 | 199081.86521999998 | 0.04516002509854329 | 208072.40725 | 0.017515196215427152 | 211716.83629 | 0.039998997096292725 | 220185.29741 Amortissement | 230203.30761999998 | 0.0013712036254539951 | 230518.96323000002 | 0.026341880489638394 | 236591.26621000003 | 0.056420480450667505 | 249939.85912 | 223763.95141 | 0.009303310952824634 | 225845.69702999998 | 0.03380957826699585 | 233481.4448 | -0.004286141671160302 | 232480.71025 Autres dépenses d'exploitation | 1220933.02945 | 0.07736012374559255 | 1315384.5596933332 | 0.13543059787387607 | 1493527.8770466666 | 0.18570541518902442 | 1770884.09155 | 1146974.77144 | -0.008040078953456119 | 1137753.0037200002 | 0.016831247685031303 | 1156902.8063299998 | 0.2237888762680986 | 1415804.7853100002 3159704.2809500005 | 0.0684046005422428 | 3375842.59012 | 0.1292173421612333 | 3812059.99717 | 0.10418215998038757 | 4209208.641650001 | 2836010.47889 | 0.038108411476074806 | 2944086.33317 | 0.03033537029596436 | 3033396.28227 | 0.1085909884228839 | 3362795.7828400005 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2263356.3570632916 | -0.07019590369822623 | 2104478.0121881086 | -0.08832925361192265 | 1918591.0401288304 | -0.2920054643808892 | 1358351.972498998 | 1306766.3815403418 | -0.04316942453135332 | 1250354.0288523263 | 0.15205313221742534 | 1440474.2753199995 | 0.1809340839959095 | 1701105.1688446952 Impôts sur le revenu | 337903.22565206763 | -0.15578356092207712 | 285263.4579129324 | -0.28187994528368576 | 204853.410005 | -1.1320634752691678 | -27053.653245999987 | 191000.16942100003 | -0.07229397048106412 | 177192.008811 | -0.7159156845741732 | 50337.470522 | -0.6931428915513517 | 15446.410650999991 0 BÉNÉFICE NET | 1925453.131411224 | -0.05517588322608617 | 1819214.5542751763 | -0.05797937571655515 | 1713737.6301238304 | -0.1915882563395121 | 1385405.625744998 | 1115766.2121193418 | -0.03818379837572874 | 1073162.0200413263 | 0.29536526529746826 | 1390136.8047979996 | 0.21258479911884492 | 1685658.7581936952 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 (oct.18 - sept. 19) | 2018 (oct.17 - sept. 18) TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL REVENUS NETS D'INTÉRÊT | 2018 Revenus d'intérêt Prêts | 3008227.6791899996 | 0.20192287899745964 | 2502845.84124 | 3144678.34127 | 0.2378021856457167 | 2540533.84114 | 3340859.8089000005 | 0.2581320478535301 | 2655412.6926499996 | 4081189.8394400002 | 0.4438998860632583 | 2826504.71742 | 13574955.6688 | 0.2897456052368896 | 10525297.09245 | 10525297.09245 Intérêts sur Bons B.R.H. | 376795.15267000004 | 0.06753841992769613 | 352956.99493 | 246293.22904 | -0.39491153021559583 | 407036.72494 | 113849.859 | -0.7100948878291888 | 392714.21655 | 57901.47703 | -0.8503237423951815 | 386844.76721 | 794839.71774 | -0.48372035860421997 | 1539552.70363 | 1539552.70363 Autres | 449619.64516689203 | 0.3970730605448681 | 321829.7295 | 566233.695513108 | 0.8210115108050757 | 310944.59983 | 700625.49422 | 0.8646839494474999 | 375734.17974 | 996737.92753 | 1.5923241001607507 | 384495.87668000004 | 2713216.76243 | 0.9477445944789266 | 1393004.3857500001 | 1393004.3857500001 3834642.477026892 | 0.20676081887345657 | 3177632.56567 | 3957205.265823108 | 0.21441977843855933 | 3258515.1659100004 | 4155335.1621200005 | 0.21364011394704666 | 3423861.0889399997 | 5135829.244000001 | 0.42747359273106994 | 3597845.3613100005 | 17083012.14897 | 0.2693711730087308 | 13457854.18183 | 13457854.18183 Dépenses d'intérêt | 786158.94145 | 0.17980100371094146 | 666348.76473 | 851720.2250450001 | 0.2355396377063326 | 689350.78977 | 988611.82935 | 0.27098294806863193 | 777832.4885099999 | 1234510.23493 | 0.5799121328566934 | 781379.0458700001 | 3861001.2307750005 | 0.3245691251112972 | 2914911.08888 | 2914911.08888 3048483.535576892 | 0.21391438691071576 | 2511283.80094 | 3105485.040778108 | 0.20875295859578047 | 2569164.3761400003 | 3166723.33277 | 0.1967834861102347 | 2646028.6004299996 | 3901319.0090700006 | 0.38518220071824993 | 2816466.3154400005 | 13222010.918195 | 0.25411005272678333 | 10542943.09295 | 10542943.09295 AUTRES REVENUS Commissions | 1132508.76147 | 0.16387976972906637 | 973046.1778999999 | 1077379.1626900001 | 0.05356446284547664 | 1022603.9323500003 | 1238514.9970000002 | 0.13630932206546448 | 1089945.29302 | 1222386.87014 | 0.006598862014792189 | 1214373.38772 | 4670789.791300001 | 0.08623806784063293 | 4299968.790990001 | 4299968.790990001 Gains sur change | 562478.8307800001 | 0.0778982112659551 | 521829.2644900001 | 638170.2369900001 | 0.28564410550866115 | 496381.72357 | 395587.9443299999 | -0.2789451689199858 | 548623.9427 | 327044.35238 | -0.4335082384474208 | 577315.28431 | 1923281.36448 | -0.10300997058771334 | 2144150.21507 | 2144150.21507 Autres | 839381.4497364 | 2.35739912897223 | 250009.432150342 | 913776.6165300001 | 2.3266869814225215 | 274680.67228232604 | 1200177.2206288301 | 2.1634570607071204 | 379387.86511 | 815412.1257789972 | 0.16899638867426167 | 697531.7748446955 | 3768747.4126742277 | 1.3530997022722426 | 1601609.7443873635 | 1601609.7443873635 2534369.0419864003 | 0.45245630755669963 | 1744884.874540342 | 2629326.0162100005 | 0.46589472906323715 | 1793666.3282023263 | 2834280.1619588304 | 0.40452944256994916 | 2017957.10083 | 2364843.348298997 | -0.04996628512025043 | 2489220.4468746954 | 10362818.568454228 | 0.2879900491149453 | 8045728.7504473645 | 8045728.7504473645 PRODUIT NET BANCAIRE | 5582852.577563292 | 0.31170848790038247 | 4256168.675480342 | 5734811.056988109 | 0.31447022486576215 | 4362830.704342326 | 6001003.494728831 | 0.28666850181543846 | 4663985.70126 | 6266162.357368998 | 0.18102757250510557 | 5305686.762314696 | 23584829.48664923 | 0.26877432047553657 | 18588671.843397364 | 18588671.843397364 Dotation à la provision pour créances douteuses | 159791.93955 | 0.4092017089552707 | 113391.81505000002 | 254490.45468000002 | 0.5113126511518102 | 168390.34231999997 | 270352.45743 | 0.4220458834109245 | 190115.14367000002 | 698601.74322 | 1.889341361263984 | 241785.81062999996 | 1383236.59488 | 0.9381663545929539 | 713683.11167 | 713683.11167 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 5423060.638013292 | 0.30904000401555726 | 4142776.8604303417 | 5480320.6023081085 | 0.30656777288539205 | 4194440.362022326 | 5730651.03729883 | 0.28091570007019556 | 4473870.557589999 | 5567560.614148999 | 0.09946080448053428 | 5063900.951684696 | 22201592.89176923 | 0.24204793776246256 | 17874988.731727365 | 17874988.731727365 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1474788.4399 | 0.1647450754364411 | 1266189.89082 | 1582041.0445100002 | 0.15274227179608416 | 1372415.22517 | 1818083.1527899997 | 0.27023632813951776 | 1431295.19485 | 1899024.1757000003 | 0.27082407680621545 | 1494324.9898700002 | 6773936.8129 | 0.21740879400329816 | 5564225.30071 | 5564225.30071 Frais de locaux | 233779.50397999998 | 0.1742882945247503 | 199081.86521999998 | 247898.0226866667 | 0.1914026754581449 | 208072.40725 | 263857.7011233333 | 0.24627642159697272 | 211716.83629 | 289360.51528 | 0.3141681968945957 | 220185.29741 | 1034895.7430699999 | 0.23340425680549676 | 839056.40617 | 839056.40617 Amortissement | 230203.30761999998 | 0.028777451280350398 | 223763.95141 | 230518.96323000002 | 0.020692296826798844 | 225845.69702999998 | 236591.26621000003 | 0.01331935140569266 | 233481.4448 | 249939.85912 | 0.0750993441616088 | 232480.71025 | 947253.39618 | 0.034603067251782166 | 915571.8034900001 | 915571.8034900001 Autres dépenses d'exploitation | 1220933.02945 | 0.06448115499275292 | 1146974.77144 | 1315384.5596933332 | 0.15612488421700357 | 1137753.0037200002 | 1493527.8770466666 | 0.2909709172411208 | 1156902.8063299998 | 1770884.09155 | 0.2507967976406103 | 1415804.7853100002 | 5800729.557739999 | 0.19419593256707113 | 4857435.3668 | 4857435.3668 3159704.2809500005 | 0.11413702610389956 | 2836010.47889 | 3375842.59012 | 0.14665203668980484 | 2944086.33317 | 3812059.99717 | 0.2566969965155024 | 3033396.28227 | 4209208.641650001 | 0.2516991555446684 | 3362795.7828400005 | 14556815.50989 | 0.19550510477649563 | 12176288.87717 | 12176288.87717 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 2263356.3570632916 | 0.7320283021019993 | 1306766.3815403418 | 2104478.0121881086 | 0.6831057153626839 | 1250354.0288523263 | 1918591.0401288304 | 0.331916211903623 | 1440474.2753199995 | 1358351.972498998 | -0.201488539699446 | 1701105.1688446952 | 7644777.381879231 | 0.3414950035955216 | 5698699.854557365 | 5698699.854557365 Impôts sur le revenu | 337903.22565206763 | 0.7691252666235382 | 191000.16942100003 | 285263.4579129324 | 0.6099115294595799 | 177192.008811 | 204853.410005 | 3.069600794014248 | 50337.470522 | -27053.653245999987 | -2.7514524155324427 | 15446.410650999991 | 800966.4403240001 | 0.8456466041517585 | 433976.059405 | 418529.648754 BÉNÉFICE NET | 1925453.131411224 | 0.7256779336899999 | 1115766.2121193418 | 1819214.5542751763 | 0.6951909593344724 | 1073162.0200413263 | 1713737.6301238304 | 0.23278343844212743 | 1390136.8047979996 | 1385405.625744998 | -0.1781221323647024 | 1685658.7581936952 | 6843810.941555231 | 0.2999373201414388 | 5264723.795152365 | 5280170.205803365 Marge nette en % Revenu d'intérêt | 0.7949850745774006 | 0.7903002468161384 | 0.7847672365138632 | 0.7884463460591302 | 0.7620861396784122 | 0.7728200799318027 | 0.7596278660603382 | 0.7828202806399954 | 0.7739859225582887 | 0.7834044677928268 Frais d'exploitation en % Produit net bancaire | 0.5659659174323198 | 0.6663294373712607 | 0.5886580318991318 | 0.6748110418861201 | 0.6352370900164351 | 0.6503871316437596 | 0.6717362879530208 | 0.6338097089947549 | 0.61721097106639 | 0.6550381318122509 [somfindétvan] SOMMAIRE FINANCIER RÉSULTATS - ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2019 | Var. | 2018 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 13574955.6688 | 0.2897456052368896 | 10525297.09245 | 10525297.092449998 | 0.10221107109532396 | 9549257.27791 | 0.052373139722001985 | 9074022.243129998 | 0.3139201347433401 | 6906068.33946 Intérêts sur Bons B.R.H. | 794839.71774 | -0.48372035860421997 | 1539552.70363 | 1539552.70363 | 0.3764514871167556 | 1118493.98111 | -0.04281938547760593 | 1168529.70499 | 1.1110417042451783 | 553532.26923 Autres | 2713216.76243 | 0.9477445944789266 | 1393004.3857500001 | 1393004.38575 | 0.045313730158228135 | 1332618.4719099998 | 0.24683644045575712 | 1068799.74684 | 0.27946777720905985 | 835347.13877 17083012.14897 | 0.2693711730087308 | 13457854.18183 | 13457854.181829998 | 0.1214532954883421 | 12000369.73093 | 0.06091385490887074 | 11311351.694959998 | 0.3636435140201639 | 8294947.74746 Dépenses d'intérêt | 3861001.2307750005 | 0.3245691251112972 | 2914911.08888 | 2914911.08888 | -0.06481787968917979 | 3116944.8448300003 | 0.11052950147940457 | 2806719.53395 | 1.1747423228395146 | 1290598.6628730001 13222010.918195 | 0.25411005272678333 | 10542943.09295 | 10542943.092949998 | 0.18681063082400412 | 8883424.8861 | 0.04453957771702354 | 8504632.161009997 | 0.2141930760881628 | 7004349.084587 AUTRES REVENUS Commissions | 4670789.791300001 | 0.08623806784063293 | 4299968.790990001 | 4299968.790990001 | 0.035991983616458355 | 4150581.1425099997 | 0.09751174549221599 | 3781810.22623 | 0.221366669927372 | 3096375.82173 Gains sur change | 1923281.36448 | -0.10300997058771334 | 2144150.21507 | 2144150.21507 | 0.2911084900348542 | 1660704.9149 | 0.22718966000024615 | 1353258.5622500004 | -0.01951824206708697 | 1380197.5929699996 Autres | 3768747.4126742277 | 1.3530997022722426 | 1601609.7443873635 | 1601609.7443873635 | -0.834444320179241 | 9674145.557080055 | 0.834772338656548 | 5272668.087073752 | 2.587572237398209 | 1469703.6709419999 10362818.568454228 | 0.2879900491149453 | 8045728.7504473645 | 8045728.7504473645 | -0.48043238633924795 | 15485431.614490055 | 0.48787693229092494 | 10407736.875553753 | 0.7502946340466515 | 5946277.085642 PRODUIT NET BANCAIRE | 23584829.48664923 | 0.26877432047553657 | 18588671.843397364 | 18588671.843397364 | -0.23719556381534496 | 24368856.500590056 | 0.28851422333591015 | 18912369.03656375 | 0.46034398553173067 | 12950626.170229 Dotation à la provision pour créances douteuses | 1383236.59488 | 0.9381663545929539 | 713683.11167 | 713683.11167 | 0.7516557642478882 | 407433.42741 | -0.20175116382150854 | 510409.0465831839 | -0.4253573074040632 | 888219.8506299999 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 22201592.89176923 | 0.24204793776246256 | 17874988.731727365 | 17874988.731727365 | -0.2540097189914074 | 23961423.073180057 | 0.30211255139270415 | 18401959.989980567 | 0.5255629351567325 | 12062406.319598999 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 6773936.8129 | 0.21740879400329816 | 5564225.30071 | 5564225.30071 | 0.121465999512354 | 4961563.9735217 | 0.1111218082155136 | 4465364.586345472 | 0.22715266009112373 | 3638801.21159 Frais de locaux | 1034895.7430699999 | 0.23340425680549676 | 839056.40617 | 839056.40617 | 0.05854950379052781 | 792647.3000699999 | 0.18441028136222454 | 669233.721239192 | 0.3085289534248706 | 511439.75032999995 Amortissement | 947253.39618 | 0.034603067251782166 | 915571.8034900001 | 915571.8034900001 | 0.17337981531807783 | 780285.96669 | 0.16755207470577008 | 668309.34876 | 0.1360980208333846 | 588249.72538 Autres dépenses d'exploitation | 5800729.557739999 | 0.19419593256707113 | 4857435.3668 | 4857435.3668 | 0.0553271902395891 | 4602776.66654 | 0.1796746698337549 | 3901733.913799 | 0.2655026816259618 | 3083149.46341 14556815.50989 | 0.19550510477649563 | 12176288.87717 | 12176288.87717 | 0.09329167793133764 | 11137273.9068217 | 0.14762341569476733 | 9704641.570143662 | 0.24074252754554754 | 7821640.15071 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 7644777.381879231 | 0.3414950035955216 | 5698699.854557365 | 5698699.854557365 | -0.5556274509417913 | 12824149.166358357 | 0.4744946140075713 | 8697318.419836905 | 1.0508837491776724 | 4240766.168888999 Impôts sur le revenu | 800966.4403240001 | 0.8456466041517585 | 433976.059405 | 433976.05940499995 | 0.47219818940911573 | 294781.00335063 | -0.5722561553269391 | 689153.1158699457 | 0.06065265657000633 | 649744.3923805979 BÉNÉFICE NET | 6843810.941555231 | 0.2999373201414388 | 5264723.795152365 | 5264723.795152365 | -0.5798093146710962 | 12529368.163007727 | 0.5645741174699686 | 8008165.303966959 | 1.23005200256775 | 3591021.776508401 [pageint.sect3] SECTION 3 SOMMAIRE FINANCIER DÉTAILLÉ - SYSTÈME BANCAIRE [somfindétfsfin ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ FAITS SAILLANTS FINANCIERS (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME BILAN AU 30 SEPTEMBRE 2019 Actif | 81491924.87383 | 4796004.353600001 | 28801421.49919239 | 30027870 | 105301379.00716 | 136911770.16667125 | 387330369.9004537 | 8363229.34113 | 8363229.34113 | 6251476 | 6251476 | 401945075.2415837 Bons B.R.H. | 1000000 | 540000 | 300000 | 0 | 0 | 0 | 1840000 | 0 | 0 | 0 | 0 | 1840000 Prêts | 21240071.6 | 735168.3774700001 | 15103214.604820965 | 11531934 | 32111842.915229995 | 38736782.90442001 | 119459014.40194097 | 4681835.28272 | 4681835.28272 | 610585 | 610585 | 124751434.68466097 Dépôts | 62058797.5 | 4063079.73992 | 22161837.82004568 | 24112921 | 86277041.85978933 | 115985103.85474831 | 314658781.7745033 | 5278089.68159 | 5278089.68159 | 4561364 | 4561364 | 324498235.4560933 Avoir des Actionnaires | 7356448.9 | -43306.948929999955 | 2843166.031988 | 2859399 | 7520866.743490003 | 12099584.207400002 | 32636157.933948003 | 708640.24423 | 708640.24423 | 438225 | 438225 | 33783023.178178 AU 30 SEPTEMBRE 2018 Actif | 67575699.97483 | 3479489.7903299998 | 21374678.329575364 | 23026514 | 86643757.77669999 | 113100019.99986379 | 315200159.87129915 | 7392044.46892 | 7392044.46892 | 6477166 | 6477166 | 329069370.34021914 Bons B.R.H. | 9145000 | 760000 | 700000 | 440000 | 1294000 | 600000 | 12939000 | 0 | 0 | 0 | 0 | 12939000 Prêts | 15966768 | 674025.62975 | 11190428.308710668 | 9273951 | 28261873.66338 | 32150952.53642 | 97517999.13826068 | 4151627.7225300004 | 4151627.7225300004 | 553590 | 553590 | 102223216.86079068 Dépôts | 53076921 | 3107919.33881 | 15189051.670130633 | 18885745 | 70694658.70082822 | 97068000.53195517 | 258022296.241724 | 4368473.75426 | 4368473.75426 | 5141852 | 5141852 | 267532621.99598402 Avoir des Actionnaires | 6328754 | -42589.07873999997 | 2549831.14855575 | 2144393 | 6883075.162929996 | 10389487.11537 | 28252951.34811575 | 689921.24413 | 689921.24413 | 356260 | 356260 | 29299132.592245743 VARIATION Sept. 19 /Sept. 18 Actif | 0.20593534220412657 | 0.37836425527926065 | 0.34745520166920657 | 0.30405627182646927 | 0.21533716576034012 | 0.21053709952337882 | 0.22883938275477514 | 0.13138244450413766 | 0.13138244450413766 | -0.034843942551418323 | -0.034843942551418323 | 0.2214600065208732 Bons B.R.H. | -0.8906506287588847 | -0.2894736842105263 | -0.5714285714285714 | -1 | -1 | -1 | -0.8577942653991808 | 0 | 0 | 0 | 0 | -0.8577942653991808 Prêts | 0.3302674404738643 | 0.0907127934329119 | 0.3496547395835216 | 0.2434758389385495 | 0.13622484120147163 | 0.20484090978454544 | 0.2249945185254714 | 0.12771076686685454 | 0.12771076686685454 | 0.10295525569464767 | 0.10295525569464767 | 0.2203825952234471 Dépôts | 0.1692237667667271 | 0.3073311424728687 | 0.45906658962962615 | 0.27677891446696967 | 0.2204181114290965 | 0.19488506221538535 | 0.21950229246747072 | 0.2082228207146652 | 0.2082228207146652 | -0.11289473131470917 | -0.11289473131470917 | 0.2129295972771665 Avoir des Actionnaires | 0.16238502871181285 | -0.016855734175009473 | 0.11504090519813354 | 0.3334304859230561 | 0.09266084787144925 | 0.16459879809659886 | 0.1551415472254575 | 0.027132082479363072 | 0.027132082479363072 | 0.23007073485656543 | 0.23007073485656543 | 0.15303833899570643 RÉSULTATS TRIM 4 2019 (Juil. -Sept. 19) Revenus nets d'intérêt | 986012.1638099999 | 39718.28198000001 | 404708.51187999995 | 368591 | 995294.05282 | 948894.4157100002 | 3743218.4262 | 137528.58287000004 | 137528.58287000004 | 20572 | 20572 | 3901319.00907 Autres revenus | 234839 | 11540.398140000001 | 141568.62487 | 389552 | 634617.7897889974 | 877989.60959 | 2290107.4223889974 | 14095.92591 | 14095.92591 | 60640 | 60640 | 2364843.3482989976 Dot. à la provision pr créances dout. | 222500 | 4478.3 | 90616.51928000001 | 42121 | 140826.91974999997 | 178201.03 | 678743.76903 | 19857.97419 | 19857.97419 | 0 | 0 | 698601.74322 Frais d'exploitation | 812465.9099999999 | 46084.465229999994 | 336014.37189 | 464336 | 1118740.5023200002 | 1284746.78683 | 4062388.0362700005 | 65290.60537999999 | 65290.60537999999 | 81530 | 81530 | 4209208.641650001 Bénéfice net | 185885.2538099999 | 695.9148900000073 | 83752.37190599991 | 229541 | 374844.4205389973 | 448348.5931500002 | 1323067.5542949974 | 62557.07145000003 | 62557.07145000003 | -219 | -219 | 1385405.6257449973 TRIM 4 2018 (Juil. -Sept. 18) Revenus nets d'intérêt | 753951 | 25573.4565 | 262565.17669 | 290481 | 664101.1240799999 | 714632.97671 | 2711304.73398 | 84178.58145999996 | 84178.58145999996 | 20983 | 20983 | 2816466.31544 Autres revenus | 286188 | 20569.163379999998 | 156931.5103 | 272410 | 783534.4634146955 | 872169.78265 | 2391802.9197446955 | 24868.527130000002 | 24868.527130000002 | 72549 | 72549 | 2489220.4468746954 Dot. à la provision pr créances dout. | 70000 | 8248.27264 | 39392.198169999996 | 14740 | 126193.16515999998 | 8384 | 266957.63596999994 | -25171.825339999996 | -25171.825339999996 | 0 | 0 | 241785.81062999996 Frais d'exploitation | 645950 | 36072.24686 | 239054.85875 | 377038 | 949790.3610000001 | 1000729.0661 | 3248634.53271 | 42123.25012999999 | 42123.25012999999 | 72038 | 72038 | 3362795.78284 Bénéfice net | 324189 | 1822.1003800000035 | 98734.74104899997 | 136901 | 329352.0613346951 | 712613.0062599999 | 1603611.9090236952 | 67229.84916999994 | 67229.84916999994 | 14817 | 14817 | 1685658.758193695 VARIATION TRIM 4 19 / TRIM 4 18 Revenus nets d'intérêt | 0.3077934292944766 | 0.5531057360196893 | 0.5413640033378181 | 0.2688988264292673 | 0.49870858026149567 | 0.3278066456973258 | 0.38059672130813016 | 0.6337716849665729 | 0.6337716849665729 | -0.01958728494495544 | -0.01958728494495544 | 0.38518220071825 Autres revenus | -0.17942401498315794 | -0.43894664421689267 | -0.09789547937588411 | 0.4300209243419845 | -0.19005759233194322 | 0.006672814233849171 | -0.042518343177937616 | -0.43318211664431616 | -0.43318211664431616 | -0.16415112544625013 | -0.16415112544625013 | -0.04996628512025024 Dot. à la provision pr créances dout. | -0.4570620788790996 | 1.300367166334247 | 1.8575983717774762 | 0.11596313137439654 | 1.5425149071453252 | 1.7888968686924793 | 1.7888968686924793 | 0 | 0 | 1.889341361263984 Frais d'exploitation | 0.2577845189256133 | 0.27756015334610057 | 0.4055952413893365 | 0.2315363438168036 | 0.1778815076014443 | 0.28381080389406715 | 0.25049093561200625 | 0.5499897367487394 | 0.5499897367487394 | 0.13176379133235236 | 0.13176379133235236 | 0.25169915554466854 Bénéfice net | -0.42661455567585604 | -0.618069949582028 | -0.151743641435841 | 0.6766933769658366 | 0.13812683916397844 | -0.3708386049490398 | -0.17494529265469083 | -0.06950450994147181 | -0.06950450994147181 | -1.0147803199028143 | -1.0147803199028143 | -0.17812213236470267 RÉSULTATS CUMUL 2019 (Octobre 18 - Septembre 19) Revenus nets d'intérêt | 3221471.2438100004 | 115263.39181500001 | 1387947.59388 | 1368234 | 3313481.9794299994 | 3393767.27405 | 12800165.482985001 | 336531.43521 | 336531.43521 | 85314 | 85314 | 13222010.918195002 Autres revenus | 929732 | 65116.24214 | 570364.0554000001 | 1450000 | 2515902.240454227 | 4449066.08539 | 9980180.623384226 | 53024.94507000001 | 53024.94507000001 | 329613 | 329613 | 10362818.568454226 Dot. à la provision pr créances dout. | 287500 | 17625.7414 | 174662.85864 | 88661 | 553840.07531 | 227669.32 | 1349958.99535 | 33277.59953 | 33277.59953 | 0 | 0 | 1383236.59488 Frais d'exploitation | 2479346.91 | 163471.76273999998 | 1172160.96526 | 1652494 | 3997615.9051 | 4558058.3449099995 | 14023147.888009999 | 230469.62188 | 230469.62188 | 303198 | 303198 | 14556815.50989 Bénéfice net | 1384356.3338100002 | -717.8701849999488 | 428041.477766 | 950182 | 1075128.2394742258 | 2823927.43159 | 6660917.6124552265 | 105870.32910000005 | 105870.32910000005 | 77023 | 77023 | 6843810.941555226 CUMUL 2018 (Octobre 17 - Septembre 18) Revenus nets d'intérêt | 2734905 | 99936.53879 | 933067.3252099999 | 1096540 | 2582003.89133 | 2712982.3724999996 | 10159435.127829999 | 295271.96512000007 | 295271.96512000007 | 88236 | 88236 | 10542943.09295 Autres revenus | 967091 | 59158.38921 | 503324.22157 | 1000953 | 2350877.9531373633 | 2829435.88432 | 7710840.448237363 | 75033.30221 | 75033.30221 | 259855 | 259855 | 8045728.750447364 Dot. à la provision pr créances dout. | 150000 | 21093.50362 | 44275.386739999994 | 51841 | 419633.04665 | 43012 | 729854.93701 | -16171.825339999996 | -16171.825339999996 | 0 | 0 | 713683.11167 Frais d'exploitation | 2209107 | 133879.52646999998 | 870891.78009 | 1394534 | 3385589.2105600005 | 3686849.6318900003 | 11680851.14901 | 195428.72816 | 195428.72816 | 300009 | 300009 | 12176288.87717 Bénéfice net | 1342889 | 4121.897910000029 | 364857.06596499996 | 520902 | 911859.5872573629 | 1947479.9379299995 | 5092109.489062362 | 139465.30609000003 | 139465.30609000003 | 33149 | 33149 | 5264723.795152362 VARIATION CUMUL 19/ CUMUL 18 Revenus nets d'intérêt | 0.17790974231646084 | 0.153365858079264 | 0.4875106612136728 | 0.2477739070166159 | 0.2832986001904173 | 0.25093598412239615 | 0.2599288564697049 | 0.1397337877073155 | 0.1397337877073155 | -0.033115735074119405 | -0.033115735074119405 | 0.2541100527267835 Autres revenus | -0.03863028401670577 | 0.10071019528356089 | 0.13319413403329824 | 0.44861946564923627 | 0.070196875638155 | 0.5724215947233757 | 0.294305165614679 | -0.29331452157608545 | -0.29331452157608545 | 0.268449712339574 | 0.268449712339574 | 0.2879900491149452 Dot. à la provision pr créances dout. | 0 | -0.16439953658111164 | 2.9449199995853053 | 0.7102486448949673 | 0.3198199706419619 | 0 | 0.8496264488946024 | 3.057751603814935 | 3.057751603814935 | 0 | 0 | 0.9381663545929539 Frais d'exploitation | 0.12232993241160349 | 0.22103630816644013 | 0.3459318276478233 | 0.1849793551107395 | 0.18077405629455146 | 0.23630166673583294 | 0.20052449167614958 | 0.1793026749440418 | 0.1793026749440418 | 0.010629681109566714 | 0.010629681109566714 | 0.19550510477649563 Bénéfice net | 0.030879196873308378 | -1.174160107958604 | 0.17317579319420726 | 0.824108949476101 | 0.17905021178527347 | 0.4500418600417458 | 0.30808609413497456 | -0.2408841161422641 | -0.2408841161422641 | 1.3235391716190534 | 1.3235391716190534 | 0.2999373201414386 0 | 0 [sysratfinclé sept. 19] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 septembre 2019 | 0.09027212096645935 | -0.00902979766844721 | 0.09871617038303905 | 0.0952248361272378 | 0.07142230058524324 | 0.08837504761402487 | 0.08425922796174155 | 0.08473284843988887 | 0.08473284843988887 | 0.07009944531499442 | 0.07009944531499442 | 0.08404885458012684 Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846272 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0.05500245014563468 | 0.0890363407629032 Dépôts en % de l'actif Au 30 septembre 2019 | 0.7615330917275869 | 0.8471801608916704 | 0.7694702784259142 | 0.8030180295838499 | 0.8193343968830921 | 0.8471521748170548 | 0.8123782853778613 | 0.6311066534589197 | 0.6311066534589197 | 0.7296459268179227 | 0.7296459268179227 | 0.807319844038537 Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913701 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0.7938428627581877 | 0.8129976415592453 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2019 | 0.2411278826739176 | 0.7961267802538988 | 0.019326044763293113 | 0.00771156692827035 | 0.01752335009540226 | 0.007531583505766791 | 0.0627906991707299 | 0.13875000598534182 | 0.13875000598534182 | 0 | 0 | 0.06535921843623993 Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0.025469754697323044 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2019 | 0.19347274672846038 | 0.5864595640785304 | 0.7068216033211133 | 0.8499374413512668 | 2.15392953028409 | 1.741309741311233 | 0.48382546175508756 | 0.2578694467653901 | 0.2578694467653901 | 0 | 0 | 0.46572376763467754 Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0.8786573826806808 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2019 | 0.5889828175113131 | -10.483773688937786 | 0.030515149453333168 | 0.004697840350367332 | -0.0897228710206966 | -0.018112253111637455 | 0.12235173048582607 | 0.7055490775340778 | 0.7055490775340778 | 0 | 0 | 0.1329978920640098 Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0.01102966857089383 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 2019 (juil -sept. 2019) | 0.00924732317210062 | 0.0006016324266610527 | 0.011933237697431322 | 0.03102325477044324 | 0.01445341563999182 | 0.01321785534681411 | 0.014190999083790505 | 0.03011061735800396 | 0.03011061735800396 | -0.000142978296678007 | -0.000142978296678007 | 0.013974305616002493 TRIM 4 2018 (juil -sept. 2018) | 0.01941172005451372 | 0.002167658135441865 | 0.018813338948155907 | 0.024682736080239763 | 0.015586185610724354 | 0.0252147991466564 | 0.0206309277400867 | 0.03688294632223593 | 0.03688294632223593 | 0.008337919554860776 | 0.008337919554860776 | 0.020726571730055023 CUMUL 2019 (octobre 2018- septembre 2019) | 0.018573534464179725 | -0.00017349300779253164 | 0.01706156832542766 | 0.035819170004876506 | 0.011202453549889885 | 0.02259035407657341 | 0.018962642419595083 | 0.013439351213619317 | 0.013439351213619317 | 0.012102312249806381 | 0.012102312249806381 | 0.018724146924643456 CUMUL 2018 (octobre 2018- septembre 2018) | 0.020720351733213273 | 0.0012168757659851144 | 0.018998121490414625 | 0.02473652191211013 | 0.011383686790908908 | 0.017060211186497757 | 0.01682140966064208 | 0.019216713801520603 | 0.019216713801520603 | 0.005161310613850931 | 0.005161310613850931 | 0.016639662285024552 ROE (rendement de l'avoir des actionn.) TRIM 4 2019 (juil -sept. 2019) | 0.10236669062318933 | -0.0637651020503427 | 0.11936837280339284 | 0.33453155366159176 | 0.200808815417434 | 0.15085635414798923 | 0.1647359285491044 | 0.36518626435745544 | 0.36518626435745544 | -0.001998466929478756 | -0.001998466929478756 | 0.16666873000929777 TRIM 4 2018 (juil -sept. 2018) | 0.2103474914748223 | -0.16754896363016406 | 0.17201526451500967 | 0.2637857262424176 | 0.19792982362464462 | 0.282737645325594 | 0.23555877284774998 | 0.40974677322387293 | 0.40974677322387293 | 0.16989537050308157 | 0.16989537050308157 | 0.2387962793676224 CUMUL 2019 (octobre 2018- septembre 2019) | 0.20231433087630732 | 0.01671486341039895 | 0.15873973726900506 | 0.37978477122949955 | 0.14928250147899153 | 0.25113775407264566 | 0.21878847271682278 | 0.15139889090489278 | 0.15139889090489278 | 0.19389415785068315 | 0.19389415785068315 | 0.2169808833566835 CUMUL 2018 (octobre 2018- septembre 2018) | 0.2334540945330806 | -0.09231568540463884 | 0.18780239558616707 | 0.26492047330513085 | 0.1429027887262395 | 0.1722516699332088 | 0.1864993337687162 | 0.2040257977670168 | 0.2040257977670168 | 0.08867031969088834 | 0.08867031969088834 | 0.18563221399481997 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2019 (juil -sept. 2019) | 0.8136259716027285 | 0.6859355283398211 | 0.7638198684574243 | 0.7146865268799274 | 0.7393111929040466 | 0.7614515115780867 | 0.762712022531723 | 0.6649418283571837 | 0.6649418283571837 | 0.9691430725020022 | 0.9691430725020022 | 0.7596278660603382 TRIM 4 2018 (juil -sept. 2018) | 0.8641093937317053 | 0.6237761660204519 | 0.7333309927531915 | 0.7770362087782747 | 0.7458303788990746 | 0.7939169958127515 | 0.7890998227318937 | 0.5992556105741755 | 0.7333309927531915 | 0.9792784804218976 | 0.9792784804218976 | 0.7828202806399954 CUMUL 2019 (octobre 2018- septembre 2019) | 0.8222549367124287 | 0.6364740199698565 | 0.7581870521830335 | 0.7543258814124651 | 0.7761248646118251 | 0.7713337934352702 | 0.7799014273424083 | 0.5774860997329101 | 0.5774860997329101 | 0.972605082253155 | 0.972605082253155 | 0.7739859225582887 CUMUL 2018 (octobre 2018- septembre 2018) | 0.8701934855721045 | 0.6211145821246524 | 0.7081852736079371 | 0.7883236027626626 | 0.7754640419260888 | 0.7705328185157186 | 0.7898286588026519 | 0.5866113731458331 | 0.5866113731458331 | 0.9625605445738971 | 0.9625605445738971 | 0.7834044677928268 Rendement moyen des prêts TRIM 4 2019 (juil -sept. 2019) | 0.09250306259368818 | 0.04254549394858834 | 0.13865615005896373 | 0.1719019022042641 | 0.14734584334124715 | 0.11404562410439446 | 0.12701201874074533 | 0.16601373504681544 | 0.16601373504681544 | 0.11033349608996566 | 0.11033349608996566 | 0.12841535088791944 TRIM 4 2018 (juil -sept. 2018) | 0.10026482723882774 | 0.04701723355980835 | 0.12957206369379268 | 0.15554804449352458 | 0.10920311736778807 | 0.09902828128930397 | 0.11008829977172926 | 0.12071770683231385 | 0.12071770683231385 | 0.10245450592510033 | 0.10245450592510033 | 0.11049054888559194 CUMUL 2019 (octobre 2018- septembre 2019) | 0.08670811586837883 | 0.0443433210471552 | 0.13427588350274616 | 0.1642953644965965 | 0.122047295499413 | 0.10914966133935232 | 0.11623961937146339 | 0.12245710959012242 | 0.12245710959012242 | 0.10111881804711491 | 0.10111881804711491 | 0.11640768542321629 CUMUL 2018 (octobre 2018- septembre 2018) | 0.09653255555046658 | 0.051528077885118886 | 0.12747944891409832 | 0.15362525833686036 | 0.10951382869452511 | 0.0978000610885603 | 0.10859905860382285 | 0.10708452236488684 | 0.10708452236488684 | 0.09442684102508472 | 0.09442684102508472 | 0.10844998153226369 Rendement moyen des prêts productifs TRIM 4 2019 (juil -sept. 2019) | 0.12278805136230067 | 0.17058820811638975 | 0.14072697569061593 | 0.17312433310830205 | 0.1532698770251001 | 0.11458201320091488 | 0.1360796717195469 | 0.1982610324161049 | 0.1982610324161049 | 0.11033349608996566 | 0.11033349608996566 | 0.1380750640365493 TRIM 4 2018 (juillet - septembre 2018) | 0.10631326327305538 | 0.12477193834893978 | 0.13044589003994622 | 0.15615061704405142 | 0.11204749730423721 | 0.09913324922484495 | 0.11310068982550307 | 0.1384804088529939 | 0.1384804088529939 | 0.10245450592510033 | 0.10245450592510033 | 0.11399090609732383 CUMUL 2019 (octobre 2018- septembre 2019) | 0.10272105950728723 | 0.15485699467589883 | 0.13602181467745952 | 0.1652731115919503 | 0.12377708562221774 | 0.10965032220657434 | 0.12148650220965547 | 0.1454587835706145 | 0.1454587835706145 | 0.10111881804711491 | 0.10111881804711491 | 0.12220968811849597 CUMUL 2018 (octobre 17 - septembre 2018) | 0.10065245187677198 | 0.1501073122869796 | 0.12802659839796074 | 0.15432852191630367 | 0.11127261078272137 | 0.09796264458623037 | 0.11105803885616343 | 0.12498660766845193 | 0.12498660766845193 | 0.09442684102508472 | 0.09442684102508472 | 0.11148885421295597 Rémunération moyenne des dépôts TRIM 4 2019 (juil -sept. 2019) | 0.014613636273844426 | 0.017890608519726865 | 0.023548610050346138 | 0.024674206119214687 | 0.016430349714417286 | 0.010398655225798957 | 0.014988410505819647 | 0.05325354165490393 | 0.05325354165490393 | 0.0005883831164587601 | 0.0005883831164587601 | 0.015409877794458281 TRIM 4 2018 (juillet - septembre 2018) | 0.009083165167091577 | 0.020672517542159714 | 0.02584640782143727 | 0.018380808064435924 | 0.013136357514699671 | 0.007762948344028721 | 0.011474452439749724 | 0.05230512788598553 | 0.05230512788598553 | 0.0003047355231108692 | 0.0003047355231108692 | 0.011895694873154408 CUMUL 2019 (octobre 2018- septembre 2019) | 0.012096653394315681 | 0.018361007040223812 | 0.02370310842082762 | 0.020726968599444458 | 0.012177762779105613 | 0.009444605335615003 | 0.012615668168602007 | 0.0510484400102438 | 0.0510484400102438 | 0.000495299702696508 | 0.000495299702696508 | 0.013043243209962358 CUMUL 2018 (octobre 17 - septembre 2018) | 0.007959520027080298 | 0.02046125980401867 | 0.02716349695726138 | 0.017076611398330867 | 0.011432343876355026 | 0.008493982118062552 | 0.010982976897461564 | 0.04942189001437359 | 0.04942189001437359 | 0.0006607648352968561 | 0.0006607648352968561 | 0.011406478059241762 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2019 (juil -sept. 2019) | 0.6654913670758014 | 0.8990568060299869 | 0.6150987278894205 | 0.6124649307584453 | 0.6863809888817263 | 0.7032448524580133 | 0.6733248192156012 | 0.43060720133796815 | 0.43060720133796815 | 1.0039156774860858 | 1.0039156774860858 | 0.6717362879530209 TRIM 4 2018 (juil -sept. 2018) | 0.6210227671493906 | 0.781755499661932 | 0.5698611363662537 | 0.6698241755508615 | 0.6560976872941655 | 0.6306575030809883 | 0.6365992554240674 | 0.3862848880145627 | 0.3862848880145627 | 0.7701962964546893 | 0.7701962964546893 | 0.6338097089947548 CUMUL 2019 (octobre 2018- septembre 2019) | 0.5972598218834595 | 0.9062650763599059 | 0.5985569077786781 | 0.5863579816296305 | 0.6857698436593007 | 0.5811749575711319 | 0.6155809847019501 | 0.5916207089570608 | 0.5916207089570608 | 0.730726127728492 | 0.730726127728492 | 0.6172109710663901 CUMUL 2018 (octobre 2018- septembre 2018) | 0.5967340321275334 | 0.8415071941828338 | 0.6063052807866373 | 0.6648575227664645 | 0.6863308948616355 | 0.6652059554244748 | 0.6536469512900794 | 0.5277503330403409 | 0.5277503330403409 | 0.861869453677343 | 0.861869453677343 | 0.6550381318122509 Productivité par employé ('000) TRIM 4 2019 (juil -sept. 2019) | 6317.4704466235435 | 1577.1901575384618 | 5796.043891246683 | 3877.9693094629156 | 4829.368422545177 | 5756.231666955496 | 5155.036504187972 | 8140.91322308725 | 8140.91322308725 | 11398.17543859649 | 11398.17543859649 | 5238.718660147558 TRIM 4 2018 (juillet - septembre 2018) | 5239.994962216625 | 1425.254668108108 | 6090.695999854809 | 3022.23355704698 | 4025.403093485423 | 4878.7171694388935 | 4358.371007771704 | 5894.43830216216 | 5894.43830216216 | 12068.645161290322 | 12068.645161290322 | 4432.02402615825 CUMUL 2019 (octobre 2018- septembre 2019) | 5332.309882864483 | 1403.7325599610897 | 5952.315043404255 | 3603.8797953964195 | 4207.422749826219 | 6122.430413302108 | 4862.919437798959 | 12772.340337049181 | 5228.944701744967 | 13604.16393442623 | 13604.16393442623 | 4924.278001179502 CUMUL 2018 (octobre 17 - septembre 2018) | 4618.834684965689 | 1219.1182222222224 | 5492.893104321223 | 2915.209173036831 | 3418.4905367064193 | 4266.680721185528 | 3838.94212160416 | 5038.16690244898 | 5038.16690244898 | 11050.507936507936 | 11050.507936507936 | 3905.1831603775977 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé juin 19 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 juin 2019 | 0.09040015858287682 | -0.009871238409613188 | 0.10129024903766888 | 0.09017428062446882 | 0.07254664008426427 | 0.08684872683670952 | 0.08388019774555616 | 0.08014345220034184 | 0.08014345220034184 | 0.07304854341757229 | 0.07304854341757229 | 0.08363511632973475 Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846272 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0.05500245014563468 | 0.0890363407629032 Dépôts en % de l'actif Au 30 juin 2019 | 0.7764176502799494 | 0.9127604822455222 | 0.7442051552445597 | 0.8090713127784372 | 0.8280068986880826 | 0.8383515443131573 | 0.8142972436226521 | 0.6215532737722155 | 0.6215532737722155 | 0.7238091398189843 | 0.7238091398189843 | 0.8088400886058457 Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913701 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0.7938428627581877 | 0.8129976415592453 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 juin 2019 | 0.25262345024376176 | 0.7063589473168886 | 0.009953145758146448 | 0.006384856844350402 | 0.059874046537882294 | 0.0018026165698218906 | 0.07057975592998604 | 0.1866063889654444 | 0.1866063889654444 | 0 | 0 | 0.07467359539361851 Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0.025469754697323044 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 juin 2019 | 0.1570758653731724 | 0.6377732926295672 | 0.9351394003336949 | 0.7039488445142472 | 0.516235041848072 | 4.78497638224745 | 0.35467724144201107 | 0.17757838990980754 | 0.17757838990980754 | 0 | 0 | 0.33760494479256087 Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0.8786573826806808 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 juin 2019 | 0.6104504779402228 | -8.25337655367105 | 0.003455499452066808 | 0.008027825129389361 | 0.12981510965861282 | -0.022709672875759188 | 0.1729604294840272 | 1.1234480331325625 | 1.1234480331325625 | 0 | 0 | 0.18986899595935502 Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0.01102966857089383 RENTABILITÉ ROA (rendement de l'actif) TRIM 3 2019 (avril - juin 2019) | 0.015348468920800612 | -0.0064210399709367155 | 0.01681171770981441 | 0.04079073852592352 | 0.008782433794080328 | 0.024293737400881286 | 0.01853946419440799 | 0.0007133478599065058 | 0.0007133478599065058 | 0.005451740764938398 | 0.005451740764938398 | 0.017965456869334734 TRIM 3 2018 (avril - juin 2018) | 0.019971603030366807 | 0.0007566176469736218 | 0.01796819835920119 | 0.02641478031588258 | 0.009826473825225914 | 0.020606453010272238 | 0.01767112228753543 | 0.015350524753707876 | 0.015350524753707876 | 0.003310622991213474 | 0.003310622991213474 | 0.01730361504733849 CUMUL 2019 (octobre 2018- juin 2019) | 0.021756373570914766 | -0.00047499192057400295 | 0.01884429289512566 | 0.03682096588938024 | 0.009889984596453788 | 0.02559053973463363 | 0.02056643431957052 | 0.007380595919428877 | 0.007380595919428877 | 0.016505629296348776 | 0.016505629296348776 | 0.020209571914552048 CUMUL 2018 (octobre 2017- juin 2018) | 0.021210594474235803 | 0.0009376991834971524 | 0.01885114088833868 | 0.02532502674619232 | 0.009959609471361309 | 0.014430217590493911 | 0.015586001357139367 | 0.01345803226849404 | 0.01345803226849404 | 0.003465238323859195 | 0.003465238323859195 | 0.015263826027178512 ROE (rendement de l'avoir des actionn.) TRIM 3 2019 (avril - juin 2019) | 0.16674153050067514 | 0.6653225103859363 | 0.16055358059987018 | 0.46231775486665777 | 0.12251833124648655 | 0.2690181917584282 | 0.21731026285649138 | 0.008625381973971434 | 0.008625381973971434 | 0.07286474082505377 | 0.07286474082505377 | 0.21111529187265973 TRIM 3 2018 (avril - juin 2018) | 0.22424518143996625 | -0.05536001327891343 | 0.19969134071630226 | 0.28679226590492546 | 0.12536759769939834 | 0.21187948147058258 | 0.19955402252713444 | 0.17951209025491993 | 0.17951209025491993 | 0.06286520466227001 | 0.06286520466227001 | 0.1973142356047935 CUMUL 2019 (octobre 2018- juin 2019) | 0.23674702333066347 | 0.04353861828103738 | 0.17258568857380904 | 0.40251577596406496 | 0.13062931033185843 | 0.2870865294922082 | 0.23775944980216282 | 0.08544973020432862 | 0.08544973020432862 | 0.25918818717674147 | 0.25918818717674147 | 0.2347142583864681 CUMUL 2018 (octobre 2017- juin 2018) | 0.24305390902060572 | -0.06730298862565424 | 0.210096066240312 | 0.26978570446862143 | 0.12621010832096813 | 0.14970611989343716 | 0.17698144672365881 | 0.1481862180263801 | 0.1481862180263801 | 0.06670378092399946 | 0.06670378092399946 | 0.174815516488242 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2019 (avril - juin 2019) | 0.7991732121660189 | 0.584805888752053 | 0.7566172339256508 | 0.7622795642867084 | 0.7940562586988974 | 0.7410714351991868 | 0.7703746626772013 | 0.4751031758026804 | 0.4751031758026804 | 0.969113049969673 | 0.969113049969673 | 0.7620861396784123 TRIM 3 2018 (avril - juin 2018) | 0.8563745903378831 | 0.624445391561287 | 0.6819899915507416 | 0.7897652132790001 | 0.7845708812578047 | 0.7450966354051376 | 0.77902070005898 | 0.5843383968726626 | 0.6819899915507416 | 0.9768858269681993 | 0.9768858269681993 | 0.7728200799318028 CUMUL 2019 (octobre 2018- juin 2019) | 0.8261194276513231 | 0.6132258583543213 | 0.7558926056705222 | 0.770074539022827 | 0.7930800143257604 | 0.7752387125862695 | 0.7872341884216528 | 0.5293692702711273 | 0.5293692702711273 | 0.9737103323808092 | 0.9737103323808092 | 0.7801581329476102 CUMUL 2018 (octobre 2017- juin 2018) | 0.872531660288801 | 0.6202045046858113 | 0.6988019843901012 | 0.7924720664212084 | 0.7862816448566776 | 0.762501271656648 | 0.7900943076319393 | 0.5817167519612552 | 0.5817167519612552 | 0.9574607423015048 | 0.9574607423015048 | 0.7836176334274839 Rendement moyen des prêts TRIM 3 2019 (avril - juin 2019) | 0.07691017477253129 | 0.041304134025451966 | 0.13170603987034732 | 0.15920993460155564 | 0.11461819513197079 | 0.10518657891814917 | 0.11061834754578471 | 0.10558516433657272 | 0.10558516433657272 | 0.0928628076980961 | 0.0928628076980961 | 0.11033492416793836 TRIM 3 2018 (avril - juin 2018) | 0.08796325925519778 | 0.050288349754839985 | 0.12876989422804172 | 0.1560773568986086 | 0.11069158446339063 | 0.09466662404360382 | 0.10666917479826897 | 0.11140590213442512 | 0.11140590213442512 | 0.11530597748569416 | 0.11530597748569416 | 0.10690765302913809 CUMUL 2019 (octobre 2018- juin 2019) | 0.0853484657210849 | 0.04370812788679301 | 0.12896612293128354 | 0.16001858950381642 | 0.11054454117033756 | 0.10463137030956214 | 0.11034483265985444 | 0.10464822506164917 | 0.10464822506164917 | 0.08879338887650091 | 0.08879338887650091 | 0.11000348972325841 CUMUL 2018 (octobre 2017- juin 2018) | 0.09521167854299738 | 0.05323729687405595 | 0.13002075054942328 | 0.15479455270232342 | 0.10916354157888335 | 0.09775002951230959 | 0.10849875904502698 | 0.10348073784459517 | 0.10348073784459517 | 0.10590643156349783 | 0.10590643156349783 | 0.10826463340838571 Rendement moyen des prêts productifs TRIM 3 2019 (avril - juin 2019) | 0.10402806386102939 | 0.0106807128514488 | 0.08203601382799487 | 0.07331648982976008 | 0.05442656130365907 | 0.18337146282425135 | 0.221645301997362 | 0.22497995487457814 | 0.22497995487457814 | 0.0928628076980961 | 0.0928628076980961 | 0.11733920459795437 TRIM 3 2018 (avril - juin 2018) | 0.0948562365169664 | 0.12810551413661142 | 0.1298797687719687 | 0.1569132040264162 | 0.115818132077275 | 0.09477485059264971 | 0.11056676779104732 | 0.12404558681778151 | 0.12404558681778151 | 0.11530597748569416 | 0.11530597748569416 | 0.11112047225230857 CUMUL 2019 (octobre 2018- juin 2019) | 0.10140011175142734 | 0.131723648622754 | 0.12992586443563897 | 0.16084756114982116 | 0.11474221297931624 | 0.1047805753964428 | 0.1158066559910348 | 0.1281767877747874 | 0.1281767877747874 | 0.08879338887650091 | 0.08879338887650091 | 0.1160764296472066 CUMUL 2018 (octobre 2017- juin 2018) | 0.10108650728743034 | 0.15349326715447334 | 0.13098542534710547 | 0.15553892522460588 | 0.11290411999626349 | 0.09792277338004736 | 0.11191330234889789 | 0.11371611368701075 | 0.11371611368701075 | 0.10590643156349783 | 0.10590643156349783 | 0.11195371812948991 Rémunération moyenne des dépôts TRIM 3 2019 (avril - juin 2019) | 0.011637654995215315 | 0.016840897903231032 | 0.02359804999735241 | 0.018828374511909468 | 0.010552784995542096 | 0.010454693104235028 | 0.012300094928839166 | 0.05652274262898843 | 0.05652274262898843 | 0.0006157785820209862 | 0.0006157785820209862 | 0.012835873234276159 TRIM 3 2018 (avril - juin 2018) | 0.008679154202320308 | 0.021083402512938894 | 0.030359393523785944 | 0.017234383465554434 | 0.011444804894507273 | 0.009588287998114672 | 0.011737686726435222 | 0.051260984220338084 | 0.051260984220338084 | 0.00031583730524609686 | 0.00031583730524609686 | 0.01212311424380626 CUMUL 2019 (octobre 2018- juin 2019) | 0.010942639078804857 | 0.017704604039973693 | 0.0238249179058808 | 0.018735581157075097 | 0.010385794202737776 | 0.009010359890928315 | 0.011554362141635618 | 0.049657653238126404 | 0.049657653238126404 | 0.0004913778714806518 | 0.0004913778714806518 | 0.011994602195689421 CUMUL 2018 (octobre 2017- juin 2018) | 0.007657245434626082 | 0.021259566583912547 | 0.02804129148103918 | 0.017062544354140067 | 0.010926414127454353 | 0.008863325880937073 | 0.010959639871566581 | 0.04880441279920065 | 0.04880441279920065 | 0.0006775356375837385 | 0.0006775356375837385 | 0.011344369271907897 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2019 (avril - juin 2019) | 0.6658837600377637 | 1.0569942952206883 | 0.6044430267801003 | 0.5509433360530044 | 0.7015536173695637 | 0.5915624209061623 | 0.6306628695199205 | 0.6673889116391749 | 0.6673889116391749 | 0.8819499744767738 | 0.8819499744767738 | 0.6352370900164351 TRIM 3 2018 (avril - juin 2018) | 0.5949540636992332 | 0.8676880987703675 | 0.6364043190223859 | 0.6526853776534232 | 0.6883995529339914 | 0.6400029930950256 | 0.6474775339572678 | 0.5568523437428733 | 0.5568523437428733 | 0.901332000557906 | 0.901332000557906 | 0.6503871316437595 CUMUL 2019 (octobre 2018- juin 2019) | 0.568833012038608 | 0.9091266291295053 | 0.5921573346474669 | 0.5767502503530184 | 0.6855326441384807 | 0.5441055727487988 | 0.5947780380281374 | 0.6942282068335683 | 0.6942282068335683 | 0.6642434412597575 | 0.6642434412597575 | 0.59748286580008 CUMUL 2018 (octobre 2017- juin 2018) | 0.5872430412302388 | 0.8659166088584042 | 0.621339477977577 | 0.663035757805607 | 0.698888592072047 | 0.6790651334829751 | 0.6604610096451807 | 0.5867969014608542 | 0.5867969014608542 | 0.8955527009455568 | 0.8955527009455568 | 0.6635175030710514 Productivité par employé ('000) TRIM 3 2019 (avril - juin 2019) | 4551.981502890174 | 1221.212696 | 5562.041203531034 | 3965.965744400527 | 4468.834262028105 | 6707.122555603006 | 5002.854266765848 | 4174.578436756757 | 4174.578436756757 | 13747.368421052632 | 13747.368421052632 | 5042.330423047017 TRIM 3 2018 (avril - juin 2018) | 4444.345986309894 | 1124.526729660377 | 5464.165781930502 | 3048.078706957133 | 3389.5012457457046 | 4331.499855502465 | 3834.778974623932 | 4966.438146938777 | 4966.438146938777 | 11283.409836065573 | 11283.409836065573 | 3899.6535963712377 CUMUL 2019 (octobre 2018- juin 2019) | 4999.534365536361 | 1339.7764340856031 | 5775.192280286298 | 3548.821705426357 | 4023.9284966105934 | 6288.722680402458 | 4774.291285804356 | 10574.749844444445 | 4287.060747747748 | 14831.77777777778 | 14831.77777777778 | 4829.859061362402 CUMUL 2018 (octobre 2017- juin 2018) | 4389.786848072562 | 1132.3539661152884 | 5234.9799731788935 | 2963.2671976828387 | 3194.9089097950437 | 4016.872807778624 | 3654.1570383435774 | 4739.377029297053 | 4739.377029297053 | 11128.262295081966 | 11128.262295081966 | 3718.7709763311054 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé mars 19 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 mars 2019 | 0.09379461679007793 | -0.009403183345437252 | 0.10830887649435762 | 0.08614669631655061 | 0.0707927947524805 | 0.09395853342800062 | 0.08681994548406823 | 0.08543823196384444 | 0.08543823196384444 | 0.07668760094252544 | 0.07668760094252544 | 0.08663614671345723 Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846272 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0.05500245014563468 | 0.0890363407629032 Dépôts en % de l'actif Au 31 mars 2019 | 0.7826412066670317 | 0.9075948526935624 | 0.7185365179437421 | 0.8137493834586422 | 0.8045431991107617 | 0.8490726281984488 | 0.811362117422313 | 0.5958115538256509 | 0.5958115538256509 | 0.7475733834046316 | 0.7475733834046316 | 0.8059067629264359 Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913701 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0.7938428627581877 | 0.8129976415592453 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2019 | 0.0821122953639602 | 0.6927974243788257 | 0.007933027024409041 | 0.004130496807432598 | 0.055682150146817815 | 0.0016847718712124967 | 0.03992621777571069 | 0.13607250261440382 | 0.13607250261440382 | 0 | 0 | 0.04356492745206306 Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0.025469754697323044 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2019 | 0.4381632294144356 | 0.6757052813221697 | 1.0039119647752235 | 1.0661093337692362 | 0.4846509786957585 | 4.642832698438702 | 0.5836187164307299 | 0.20358583749420026 | 0.20358583749420026 | 0 | 0 | 0.5365699757778454 Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0.8786573826806808 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2019 | 0.11949373807284139 | -8.19282912207774 | -0.00014773778587604864 | -0.0012085368550379038 | 0.13258893921159043 | -0.018347753479630774 | 0.059563110092661756 | 0.7587947516266242 | 0.7587947516266242 | 0 | 0 | 0.07308476400376915 Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0.01102966857089383 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2019 (janvier-mars 2019) | 0.02268186722825861 | -0.0007165057403698273 | 0.020353999467605036 | 0.04026412525316922 | 0.009588939942352933 | 0.023389713002209225 | 0.020251810664455337 | 0.01244715147614746 | 0.01244715147614746 | 0.016944913006644226 | 0.016944913006644226 | 0.02003021729944826 TRIM 2 2018 (janvier-mars 2018) | 0.02007645081647743 | -0.0011794553068383748 | 0.022590323441013745 | 0.024468590036969835 | 0.018276421406504772 | 0.010436727742895405 | 0.013810201788669926 | 0.009790490776753523 | 0.009790490776753523 | 0.008500074201058532 | 0.008500074201058532 | 0.013606135646086738 CUMUL 2019 (octobre 2018- mars 2019) | 0.025325366104606718 | 0.0028725536272824507 | 0.019604791364183943 | 0.03451236302714261 | 0.010313125142571856 | 0.02631730677899574 | 0.02157239921283147 | 0.011080685958427964 | 0.011080685958427964 | 0.022767405556161305 | 0.022767405556161305 | 0.02136684055363022 CUMUL 2018 (octobre 2017- mars 2018) | 0.021330540133946082 | 0.0010196169190796506 | 0.019773057842229713 | 0.024610902850211287 | 0.010172577927970865 | 0.010796872270308734 | 0.014259815004426898 | 0.01266958797684134 | 0.01266958797684134 | 0.00390710710391009 | 0.00390710710391009 | 0.01401208806481492 ROE (rendement de l'avoir des actionn.) TRIM 2 2019 (janvier-mars 2019) | 0.24308228074071578 | 0.07663312624301806 | 0.18401497573904185 | 0.46150256114690935 | 0.12987602941060108 | 0.251103090571519 | 0.23143999613788266 | 0.13454945739224075 | 0.13454945739224075 | 0.25370448348949526 | 0.25370448348949526 | 0.22958426993536216 TRIM 2 2018 (janvier-mars 2018) | 0.22889931739638508 | 0.08851415850047194 | 0.2832269766935527 | 0.2640517819121411 | 0.06607872944263284 | 0.09686721689742252 | 0.14897134747067103 | 0.10676892397818859 | 0.10676892397818859 | 0.14483293939420452 | 0.14483293939420452 | 0.14797878560312577 CUMUL 2019 (octobre 2018- mars 2019) | 0.27020038958153814 | -0.2677168440484297 | 0.17308863179837541 | 0.3862715753321618 | 0.13783092084902657 | 0.28306903452558985 | 0.24476006828732735 | 0.12408711777187649 | 0.12408711777187649 | 0.3494795417596319 | 0.3494795417596319 | 0.2434611690008509 CUMUL 2018 (octobre 2017- mars 2018) | 0.2497367120694095 | -0.07328727601686073 | 0.249455971169385 | 0.26805751582795573 | 0.12823694478121722 | 0.10113891843541085 | 0.15631454424891678 | 0.14114277786124715 | 0.14114277786124715 | 0.06278625978204946 | 0.06278625978204946 | 0.15466018466627968 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2019 (janvier-mars 2019) | 0.8423629104488134 | 0.618182892741759 | 0.75813368793518 | 0.7706964050485733 | 0.783713647752467 | 0.7773973836780025 | 0.79025492854515 | 0.6008746961431273 | 0.6008746961431273 | 0.9741421733100702 | 0.9741421733100702 | 0.7847672365138632 TRIM 2 2018 (janvier-mars 2018) | 0.8750668907059378 | 0.598030810289222 | 0.707852641892984 | 0.7907228541423226 | 0.792223239695161 | 0.7749310104647635 | 0.796072938242601 | 0.552721212780686 | 0.707852641892984 | 0.9132678541701349 | 0.9132678541701349 | 0.7884463460591302 CUMUL 2019 (octobre 2018- mars 2019) | 0.8389116474585055 | 0.6263199473027965 | 0.7554784552531377 | 0.7742483401917842 | 0.7925301601901361 | 0.7938990169479706 | 0.7962299805104872 | 0.5584176849021352 | 0.5584176849021352 | 0.975897196883947 | 0.975897196883947 | 0.7897957942006811 CUMUL 2018 (octobre 2017- mars 2018) | 0.8811026928933959 | 0.6180583607781363 | 0.707880429903593 | 0.7939115924917471 | 0.7872084314563847 | 0.7716124560920499 | 0.7959878245534213 | 0.5802636318132743 | 0.5802636318132743 | 0.9497112129057956 | 0.9497112129057956 | 0.7893616475196739 Rendement moyen des prêts TRIM 2 2019 (janvier-mars 2019) | 0.09431399997605562 | 0.040084249391138374 | 0.12706644950070067 | 0.15639523492477364 | 0.10227730200528151 | 0.10351228546965903 | 0.10867103731232967 | 0.113467457669822 | 0.113467457669822 | 0.10784674721345557 | 0.10784674721345557 | 0.10885839589444286 TRIM 2 2018 (janvier-mars 2018) | 0.09045494502795803 | 0.04576778267002639 | 0.12853084932988626 | 0.15061961815411276 | 0.1068145437211407 | 0.09719882073336154 | 0.10618420774106428 | 0.09618720087407989 | 0.09618720087407989 | 0.10863690749901836 | 0.10863690749901836 | 0.10575912873556188 CUMUL 2019 (octobre 2018- mars 2019) | 0.09372509414291669 | 0.045565518764527586 | 0.1292097473675441 | 0.16266708927451967 | 0.1066307682083664 | 0.10655912998502658 | 0.11157019064057752 | 0.10472585694693781 | 0.10472585694693781 | 0.10348283567046077 | 0.10348283567046077 | 0.11125607874688788 CUMUL 2018 (octobre 2017- mars 2018) | 0.09451984754038159 | 0.0545370388540022 | 0.1292530604499425 | 0.15387923328071884 | 0.10804656863881701 | 0.09732548139653623 | 0.10759650624531564 | 0.09852638876460632 | 0.09852638876460632 | 0.11138645329494624 | 0.11138645329494624 | 0.10721477879270713 Rendement moyen des prêts productifs TRIM 2 2019 (janvier-mars 2019) | 0.10263897162361611 | 0.12410572452539662 | 0.12783048532478195 | 0.15709533019324295 | 0.10611945517601125 | 0.10367055789323434 | 0.11243490232756488 | 0.12773525471302927 | 0.12773525471302927 | 0.10784674721345557 | 0.10784674721345557 | 0.11297564272028743 TRIM 2 2018 (janvier-mars 2018) | 0.0961094673684445 | 0.10333415776673893 | 0.12944524619035852 | 0.15172114567600176 | 0.11097728017383436 | 0.09732464986648694 | 0.1095252069466819 | 0.10821966907657928 | 0.10821966907657928 | 0.10863690749901836 | 0.10863690749901836 | 0.1094686816557519 CUMUL 2019 (octobre 2018- mars 2019) | 0.09997186543923463 | 0.1341754964290585 | 0.13000811613628088 | 0.1633065481107861 | 0.11039273485546712 | 0.1067026138590161 | 0.11502496992531225 | 0.12426626091368263 | 0.12426626091368263 | 0.10348283567046077 | 0.10348283567046077 | 0.11529268223578006 CUMUL 2018 (octobre 2017- mars 2018) | 0.10028340429002348 | 0.1519226499793232 | 0.130045556452174 | 0.15483229978101448 | 0.11206191538618475 | 0.09749640319193643 | 0.11105310829356668 | 0.11155648061833252 | 0.11155648061833252 | 0.11138645329494624 | 0.11138645329494624 | 0.1110754153539554 Rémunération moyenne des dépôts TRIM 2 2019 (janvier-mars 2019) | 0.01014578183773737 | 0.01749431707018162 | 0.02332546952140637 | 0.01848949016666928 | 0.010265996118795466 | 0.008807214855897897 | 0.01121702953359048 | 0.04798125578668689 | 0.04798125578668689 | 0.0004731960628122746 | 0.0004731960628122746 | 0.01160651995870145 TRIM 2 2018 (janvier-mars 2018) | 0.007306282961500864 | 0.020704457662782613 | 0.027726653883559712 | 0.01704192882893471 | 0.011050628472546908 | 0.00816015901919845 | 0.0105735337481242 | 0.04925635455773916 | 0.04925635455773916 | 0.0014801939274227322 | 0.0014801939274227322 | 0.011006770485380221 CUMUL 2019 (octobre 2018- mars 2019) | 0.010580342412497046 | 0.01880670281483534 | 0.02390202117357829 | 0.018614189548796307 | 0.010309459699045759 | 0.008199836143487245 | 0.011139429718524652 | 0.04819692575014714 | 0.04819692575014714 | 0.0004622285630863248 | 0.0004622285630863248 | 0.011548725564044425 CUMUL 2018 (octobre 2017- mars 2018) | 0.006899023428809755 | 0.021223038024859284 | 0.027014288994901815 | 0.016755876306672846 | 0.011035303710933518 | 0.00824541319777753 | 0.010454705502021603 | 0.04777254502201378 | 0.04777254502201378 | 0.0009656284089790057 | 0.0009656284089790057 | 0.010869521830061032 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2019 (janvier-mars 2019) | 0.5288404310286845 | 0.9177519704426 | 0.5726556606719388 | 0.5598822525693687 | 0.6934390281143995 | 0.5522059832837881 | 0.58799581294385 | 0.6289001147735945 | 0.6289001147735945 | 0.5875081738983694 | 0.5875081738983694 | 0.5886580318991319 TRIM 2 2018 (janvier-mars 2018) | 0.5840935037297303 | 0.9078571020935413 | 0.5820786132305901 | 0.6706026298142346 | 0.7175642589532797 | 0.7190575240258421 | 0.6735802847951629 | 0.6651191416172803 | 0.6651191416172803 | 0.7464640857308361 | 0.7464640857308361 | 0.6748110418861202 CUMUL 2019 (octobre 2018- mars 2019) | 0.5267770752768209 | 0.8435034638243205 | 0.5853369607420804 | 0.5916030680303377 | 0.6764132400017467 | 0.5182762567582282 | 0.5756355653308904 | 0.7071265437984247 | 0.7071265437984247 | 0.5737959408733273 | 0.5737959408733273 | 0.5774643143764936 CUMUL 2018 (octobre 2017- mars 2018) | 0.5833517513717434 | 0.8650449331697323 | 0.6133013367354044 | 0.6686903292440235 | 0.7046303561265072 | 0.7011281081979528 | 0.6674959729785215 | 0.6028715587903788 | 0.6028715587903788 | 0.8926021967327902 | 0.8926021967327902 | 0.6706227204971584 Productivité par employé ('000) TRIM 2 2019 (janvier-mars 2019) | 5271.74 | 1372.33 | 5473.47 | 3780.81 | 3903.73 | 6080.17 | 4754.41 | 5079.67 | 5079.67 | 12641.87 | 12641.87 | 4809.07 TRIM 2 2018 (janvier-mars 2018) | 4477.47 | 1063.58 | 5896.29 | 2928.92 | 3099.35 | 3865.37 | 3620.21 | 4367.93 | 4367.93 | 10692.13 | 10692.13 | 3677.83 CUMUL 2019 (octobre 2018- mars 2019) | 5215.36 | 1391.93 | 5774.08 | 3445.45 | 3825.82 | 6106.05 | 4686.2 | 4343.3 | 4343.3 | 15460 | 15460 | 4749.83 CUMUL 2018 (octobre 2017- mars 2018) | 4362.76 | 1134.12 | 5412.98 | 2893.37 | 3086.42 | 3840.25 | 3560.35 | 4657.53 | 4657.53 | 10872.45 | 10872.45 | 3624.86 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé déc. 18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 décembre 2018 | 0.09281375145934542 | -0.009296039089162924 | 0.11322574370854148 | 0.08840375173342076 | 0.07709821911893772 | 0.09230122865322289 | 0.08822413101810919 | 0.099790418147069 | 0.099790418147069 | 0.05878127632431514 | 0.05878127632431514 | 0.08788482028094147 Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846272 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0.05500245014563468 | 0.0890363407629032 Dépôts en % de l'actif Au 31 décembre 2018 | 0.7814655803975284 | 0.9038404442881228 | 0.7194887883012883 | 0.8090557423012713 | 0.8083621494722226 | 0.8577423897607274 | 0.815420673029486 | 0.5954570050520034 | 0.5954570050520034 | 0.783929239672412 | 0.783929239672412 | 0.8101395046845172 Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913701 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0.7938428627581877 | 0.8129976415592453 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2018 | 0.08006517465175418 | 0.6613982938221991 | 0.0038796978148041023 | 0.004775222331496316 | 0.01569543465539145 | 0.001372230883780026 | 0.02689803695164946 | 0.0870793407188987 | 0.0870793407188987 | 0 | 0 | 0.029185323917257172 Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0.025469754697323044 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2018 | 0.4056036510539327 | 0.7072635588511462 | 1.6347844686883928 | 0.8974683044354043 | 1.6784645111437315 | 5.064618297330565 | 0.816206706365704 | 0.3042875721066296 | 0.3042875721066296 | 0 | 0 | 0.7551138076035544 Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0.8786573826806808 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2018 | 0.12225458665216385 | -7.273032414622171 | -0.011884878881267616 | 0.002275792571500958 | -0.04612022880070303 | -0.018142831216758047 | 0.018019170958319775 | 0.3701971566637249 | 0.3701971566637249 | 0 | 0 | 0.026245184195151827 Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0.01102966857089383 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2019 (octobre - décembre 2018) | 0.027349331075677857 | 0.006531722237246823 | 0.02002705559249354 | 0.027284255396616375 | 0.011162017828076614 | 0.029050635152999014 | 0.02280432533512145 | 0.009762658058517615 | 0.009762658058517615 | 0.025048102969548514 | 0.025048102969548514 | 0.022564469742996012 TRIM 1 2018 (octobre - décembre 2017) | 0.023188313111920194 | 0.003192925866596893 | 0.017045070956922315 | 0.02487352178676621 | 0.002755653717549522 | 0.011281105455615469 | 0.014884116811717788 | 0.01574556231463619 | 0.01574556231463619 | -0.001180585605183277 | -0.001180585605183277 | 0.014547998132675433 CUMUL 2019 (octobre - décembre 2018) | 0.027349331075677857 | 0.006531722237246823 | 0.02002705559249354 | 0.027284255396616375 | 0.011162017828076614 | 0.02905063515299901 | 0.02280432533512145 | 0.009762658058517615 | 0.009762658058517615 | 0.025048102969548514 | 0.025048102969548514 | 0.022564469742996012 CUMUL 2018 (octobre - décembre 2017) | 0.023188313111920194 | 0.003192925866596893 | 0.017045070956922315 | 0.02487352178676621 | 0.010939616205915983 | 0.011281105455615469 | 0.014884116811717788 | 0.01574556231463619 | 0.01574556231463619 | -0.001180585605183277 | -0.001180585605183277 | 0.014547998132675433 ROE (rendement de l'avoir des actionn.) TRIM 1 2019 (octobre - décembre 2018) | 0.29339514038174996 | -0.6116746548724522 | 0.17241572095352012 | 0.30104776632271346 | 0.14267713856816377 | 0.315461587093751 | 0.2565086662341222 | 0.10107670641365238 | 0.10107670641365238 | 0.43967177893789283 | 0.43967177893789283 | 0.25514146834497975 TRIM 1 2018 (octobre - décembre 2017) | 0.2702090233768101 | -0.23504106358588853 | 0.21590129989058102 | 0.26314109622186516 | 0.1331871595635812 | 0.10532688463798251 | 0.16120403464581384 | 0.16223165200755651 | 0.16223165200755651 | -0.02036672284606169 | -0.02036672284606169 | 0.1586855933606742 CUMUL 2019 (octobre - décembre 2018) | 0.29339514038174996 | -0.6116746548724522 | 0.17241572095352012 | 0.30104776632271346 | 0.14267713856816377 | 0.315461587093751 | 0.2565086662341222 | 0.10107670641365238 | 0.10107670641365238 | 0.43967177893789283 | 0.43967177893789283 | 0.25514146834497975 CUMUL 2018 (octobre - décembre 2017) | 0.2702090233768101 | -0.23504106358588853 | 0.21590129989058102 | 0.26314109622186516 | 0.1331871595635812 | 0.10532688463798251 | 0.16120403464581384 | 0.16223165200755651 | 0.16223165200755651 | -0.02036672284606169 | -0.02036672284606169 | 0.1586855933606742 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2019 (octobre - décembre 2018) | 0.8353386035687783 | 0.6339951964672444 | 0.7526942308994241 | 0.7779857267695893 | 0.8010008331397307 | 0.8114343148761239 | 0.8023583390271264 | 0.5050447122588464 | 0.5050447122588464 | 0.9776250880902043 | 0.9776250880902043 | 0.7949850745774005 TRIM 1 2018 (octobre - décembre 2017) | 0.8872332475014777 | 0.6359825199501048 | 0.7079099822758125 | 0.7972182427810209 | 0.7819663729680532 | 0.7682327551454634 | 0.7959002087542476 | 0.6064065534310368 | 0.7079099822758125 | 0.9831563669696738 | 0.9831563669696738 | 0.7903002468161384 CUMUL 2019 (octobre - décembre 2018) | 0.8353386035687783 | 0.6339951964672444 | 0.7526942308994241 | 0.7779857267695893 | 0.8010008331397307 | 0.8114343148761239 | 0.8023583390271264 | 0.5050447122588464 | 0.5050447122588464 | 0.9776250880902043 | 0.9776250880902043 | 0.7949850745774005 CUMUL 2018 (octobre - décembre 2017) | 0.8872332475014777 | 0.6359825199501048 | 0.7079099822758125 | 0.7972182427810209 | 0.7819663729680532 | 0.7682327551454634 | 0.7959002087542476 | 0.6064065534310368 | 0.6064065534310368 | 0.9831563669696738 | 0.9831563669696738 | 0.7903002468161384 Rendement moyen des prêts TRIM 1 2019 (octobre - décembre 2018) | 0.09235146798115673 | 0.04983533894377613 | 0.12967509612364925 | 0.15674103771459932 | 0.11089080867744454 | 0.10195601063715878 | 0.11064787369956935 | 0.09267027200390361 | 0.09267027200390361 | 0.10290221093072718 | 0.10290221093072718 | 0.10988315773609976 TRIM 1 2018 (octobre - décembre 2017) | 0.10294320157523773 | 0.06344669170150499 | 0.1291178724825451 | 0.15327567053521823 | 0.10709121393205814 | 0.09938025826590609 | 0.10962294376310215 | 0.10105336171909882 | 0.10105336171909882 | 0.13140886407741284 | 0.13140886407741284 | 0.10935602434152218 CUMUL 2019 (octobre - décembre 2018) | 0.09235146798115673 | 0.04983533894377613 | 0.12967509612364925 | 0.15674103771459932 | 0.11089080867744454 | 0.10195601063715878 | 0.11064787369956935 | 0.09267027200390361 | 0.09267027200390361 | 0.10290221093072718 | 0.10290221093072718 | 0.10988315773609976 CUMUL 2018 (octobre - décembre 2017) | 0.10294320157523773 | 0.06344669170150499 | 0.1291178724825451 | 0.15327567053521823 | 0.10709121393205814 | 0.09938025826590609 | 0.10962294376310215 | 0.10105336171909882 | 0.10105336171909882 | 0.13140886407741284 | 0.13140886407741284 | 0.10935602434152218 Rendement moyen des prêts productifs TRIM 1 2019 (octobre - décembre 2018) | 0.09835280679475772 | 0.1401877250780673 | 0.13018801943842573 | 0.15741186643487046 | 0.11233789209203651 | 0.1020767722548156 | 0.11326642132662411 | 0.10676748265294683 | 0.10676748265294683 | 0.10290221093072718 | 0.10290221093072718 | 0.11298010050276615 TRIM 1 2018 (octobre - décembre 2017) | 0.1075375098464567 | 0.1597116539790373 | 0.12986030294576656 | 0.1543231955246419 | 0.10988572398912398 | 0.09957311247540984 | 0.11247264717237342 | 0.11220329916888375 | 0.11220329916888375 | 0.13140886407741284 | 0.13140886407741284 | 0.11256990051000276 CUMUL 2019 (octobre - décembre 2018) | 0.09835280679475772 | 0.1401877250780673 | 0.13018801943842573 | 0.15741186643487046 | 0.11233789209203651 | 0.1020767722548156 | 0.11326642132662411 | 0.10676748265294683 | 0.10676748265294683 | 0.10290221093072718 | 0.10290221093072718 | 0.11298010050276615 CUMUL 2018 (octobre - décembre 2017) | 0.1075375098464567 | 0.1597116539790373 | 0.12986030294576656 | 0.1543231955246419 | 0.10988572398912398 | 0.09957311247540984 | 0.11247264717237342 | 0.11220329916888375 | 0.11220329916888375 | 0.13140886407741284 | 0.13140886407741284 | 0.11256990051000276 Rémunération moyenne des dépôts TRIM 1 2019 (octobre - décembre 2018) | 0.01075517491278484 | 0.01907887892862901 | 0.02525444590459379 | 0.018400418380621952 | 0.010448722934224185 | 0.007401710463705088 | 0.010938229986790443 | 0.04859881503168597 | 0.04859881503168597 | 0.0003813239823885369 | 0.0003813239823885369 | 0.011335389555276281 TRIM 1 2018 (octobre - décembre 2017) | 0.006715813040283033 | 0.021055369887113397 | 0.026768975223195067 | 0.016662313278233823 | 0.011263730730453192 | 0.008438531464933228 | 0.010536321483356956 | 0.04623048225568694 | 0.04623048225568694 | 0.00031232020895001006 | 0.00031232020895001006 | 0.010895441584678759 CUMUL 2019 (octobre - décembre 2018) | 0.01075517491278484 | 0.01907887892862901 | 0.02525444590459379 | 0.018400418380621952 | 0.010448722934224185 | 0.007401710463705088 | 0.010938229986790443 | 0.04859881503168597 | 0.04859881503168597 | 0.0003813239823885369 | 0.0003813239823885369 | 0.011335389555276281 CUMUL 2018 (octobre - décembre 2017) | 0.006715813040283033 | 0.021055369887113397 | 0.026768975223195067 | 0.016662313278233823 | 0.011263730730453192 | 0.008438531464933228 | 0.010536321483356956 | 0.04623048225568694 | 0.04623048225568694 | 0.00031232020895001006 | 0.00031232020895001006 | 0.010895441584678759 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2019 (octobre - décembre 2018) | 0.5246794726365608 | 0.7734996798065479 | 0.589656606003306 | 0.6290567101350416 | 0.6589364518449529 | 0.4850244280903252 | 0.5620930070798825 | 0.8172933016582945 | 0.8172933016582945 | 0.5645720853346198 | 0.5645720853346198 | 0.5652058440950704 TRIM 1 2018 (octobre - décembre 2017) | 0.5825797766496057 | 0.8275118214313001 | 0.650814108179149 | 0.6666687395191396 | 0.6918892208058895 | 0.6829209087567941 | 0.6612310274115106 | 0.5486162719377583 | 0.5486162719377583 | 1.0339719118831647 | 1.0339719118831647 | 0.6663294373712607 CUMUL 2019 (octobre - décembre 2018) | 0.5246794726365608 | 0.7734996798065479 | 0.589656606003306 | 0.6290567101350416 | 0.6589364518449529 | 0.4850244280903252 | 0.5620930070798825 | 0.8172933016582945 | 0.8172933016582945 | 0.5645720853346198 | 0.5645720853346198 | 0.5652058440950704 CUMUL 2018 (octobre - décembre 2017) | 0.5825797766496057 | 0.8275118214313001 | 0.650814108179149 | 0.6666687395191396 | 0.6918892208058895 | 0.6829209087567941 | 0.6612310274115106 | 0.5486162719377583 | 0.5486162719377583 | 1.0339719118831647 | 1.0339719118831647 | 0.6663294373712607 Productivité par employé ('000) TRIM 1 2019 (octobre - décembre 2018) | 5165.849681528663 | 1473.0100105600004 | 5439.458161105145 | 3139.2303664921465 | 3727.8435031655617 | 6150.7925179835875 | 4589.262137403024 | 3606.935088108108 | 3606.935088108108 | 17898.539682539682 | 17898.539682539682 | 4661.603237710712 TRIM 1 2018 (octobre - décembre 2017) | 4275.654747225647 | 1208.6345468164793 | 4907.61826672098 | 2856.7105847520356 | 3147.3307926777866 | 3822.34394304 | 3532.1892694288676 | 5011.3693401379305 | 5011.3693401379305 | 11052.774193548386 | 11052.774193548386 | 3604.249963357969 CUMUL 2019 (octobre - décembre 2018) | 5165.849681528663 | 1473.0100105600004 | 5439.458161105145 | 3139.2303664921465 | 3727.8435031655617 | 6150.7925179835875 | 4589.262137403024 | 3606.935088108108 | 3606.935088108108 | 17898.539682539682 | 17898.539682539682 | 4661.603237710712 CUMUL 2018 (octobre - décembre 2017) | 4275.654747225647 | 1208.6345468164793 | 4907.61826672098 | 2856.7105847520356 | 3147.3307926777866 | 3822.34394304 | 3532.1892694288676 | 5011.3693401379305 | 5011.3693401379305 | 11052.774193548386 | 11052.774193548386 | 3604.249963357969 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé sept. 18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 septembre 2018 | 0.0936542870049038 | -0.012240035553017318 | 0.11929214134781348 | 0.09312712293315437 | 0.07944109696475993 | 0.09186105462565361 | 0.08963495246846273 | 0.0933329401670658 | 0.0933329401670658 | 0.05500245014563468 | 0 | 0.05500245014563468 | 0.0890363407629032 Au 30 septembre 2017 | 0.0834201499302249 | -0.014176025936642439 | 0.07840922528323485 | 0.09367044060633924 | 0.07991860672264169 | 0.10609234265175779 | 0.09080437150842925 | 0.09507468240204019 | 0.09507468240204019 | 0.06146839025813514 | 0 | 0.06146839025813514 | 0.09028944500124288 Dépôts en % de l'actif Au 30 septembre 2018 | 0.7854438950653804 | 0.8932112252340423 | 0.7106096024431907 | 0.8201738656576502 | 0.8159232761236407 | 0.8582491898062627 | 0.8185982403913702 | 0.5909696258764859 | 0.5909696258764859 | 0.7938428627581877 | 0 | 0.7938428627581877 | 0.8129976415592453 Au 30 septembre 2017 | 0.7967339134890208 | 0.8651932000945095 | 0.7701438375716377 | 0.8171239264785816 | 0.8169525961844799 | 0.8087123387988768 | 0.8071709020730373 | 0.5688768589590548 | 0.5688768589590548 | 0.823821089785979 | 0 | 0.823821089785979 | 0.8019314883686469 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2018 | 0.04082914348332135 | 0.6268121401473538 | 0.004006696394098167 | 0.003676423186317951 | 0.009889922284401194 | 0.0009692811640748915 | 0.018973875824264613 | 0.1801192087514468 | 0.1801192087514468 | 0 | 0 | 0 | 0.025469754697323044 Au 30 septembre 2017 | 0.04104977576069428 | 0.686357207129491 | 0.00462425113002612 | 0.00561605342940618 | 0.023129614774694583 | 0.002420062145526029 | 0.02939865585618658 | 0.10499642810984694 | 0.10499642810984694 | 0 | 0 | 0 | 0.029344500618131233 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2018 | 0.799508241481033 | 0.7743802133956389 | 1.4643396877697732 | 0.97007335534968 | 2.526588002623216 | 6.802098296045859 | 1.168695858609091 | 0.16677009117066643 | 0.16677009117066643 | 0 | 0 | 0 | 0.8786573826806808 Au 30 septembre 2017 | 0.8181350299406266 | 0.6815904003222489 | 1.1535657765827423 | 0.8785842500115064 | 1.631193197118891 | 2.698268368499335 | 1.0305607193341697 | 0.2747808000280483 | 0.2747808000280483 | 0 | 0 | 0 | 0.9058530766720206 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2018 | 0.021349068078803504 | -4.349259319139152 | -0.008213213435020567 | 0.0004775244090052523 | -0.06358037634935687 | -0.01751892440491448 | -0.01129848363768004 | 0.9310848678678446 | 0.9310848678678446 | 0 | 0 | 0 | 0.01102966857089383 Au 30 septembre 2017 | 0.020754790254356406 | -6.186032494563571 | -0.004558698291423022 | 0.0029505800216204367 | -0.05814921635371679 | -0.009880242163613396 | -0.0025441565949087578 | 0.4642908493017942 | 0.4642908493017942 | 0 | 0 | 0 | 0.009020696097058693 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 2018 (juil. - sept. 2018) | 0.01941172005451372 | 0.002167658135441865 | 0.018813338948155907 | 0.024682736080239763 | 0.015586185610724354 | 0.0252147991466564 | 0.0206309277400867 | 0.03688294632223593 | 0.03688294632223593 | 0.008337919554860776 | 0 | 0.008337919554860776 | 0.020726571730055023 TRIM 4 2017 (juil. - sept. 2017) | 0.01806694083661455 | -0.006179669411945845 | 0.010536519132377332 | 0.021466369639495383 | 0.01144427683959751 | 0.005862221150217952 | 0.011008020654770067 | 0.02447647759800863 | 0.02447647759800863 | 0.008626577889473437 | 0 | 0.008626577889473437 | 0.011275612317557242 CUMUL 2018 (octobre 2017- sept. 2018) | 0.020720351733213273 | 0.0012168757659851144 | 0.018998121490414625 | 0.02473652191211013 | 0.011383686790908908 | 0.017060211186497757 | 0.01682140966064208 | 0.019216713801520603 | 0.019216713801520603 | 0.005161310613850931 | 0 | 0.005161310613850931 | 0.016639662285024552 CUMUL 2017 (octobre 2016- sept. 2017) | 0.018062145278275488 | 0.003775823116284691 | 0.014517451786845848 | 0.02293952804710684 | 0.010432367816115416 | 0.09857517999857628 | 0.04596590064012797 | 0.01715282860907039 | 0.01715282860907039 | 0.0036624516274374767 | -0.015231010521271264 | -0.0030311767722261077 | 0.04357447304307952 ROE (rendement de l'avoir des actionn.) TRIM 4 2018 (juil. - sept. 2018) | 0.2103474914748223 | -0.16754896363016406 | 0.17201526451688273 | 0.2637857262424176 | 0.19792982362464462 | 0.282737645325594 | 0.23555877284796625 | 0.40974677322387293 | 0.40974677322387293 | 0.16989537050308157 | 0 | 0.16989537050308157 | 0.23879627936783382 TRIM 4 2017 (juil. - sept. 2017) | 0.21969608916766412 | 0.4782584103008216 | 0.13177518787491974 | 0.2383568649403244 | 0.1435944111837033 | 0.04820239628593562 | 0.11378187303414009 | 0.26457898747538944 | 0.26457898747538944 | 0.13755868666581791 | 0 | 0.13755868666581791 | 0.11750846719255952 CUMUL 2018 (octobre 2017- sept. 2018) | 0.2334540945330806 | -0.09231568540463884 | 0.18780239558858375 | 0.26492047330513085 | 0.14290278896485956 | 0.1722516699332088 | 0.18649933384166667 | 0.2040257977670168 | 0.2040257977670168 | 0.08867020109884818 | 0 | 0.08867020109884818 | 0.18563221079206246 CUMUL 2017 (octobre 2016- sept. 2017) | 0.2293992337967404 | -0.44256091228108707 | 0.18287346439484464 | 0.25057155038378437 | 0.13475256856226234 | 0.8572216246631783 | 0.5015119822617307 | 0.20302229476133865 | 0.20302229476133865 | 0.05823246127814656 | -0.2675370834337949 | -0.04987047253955227 | 0.48177828328957045 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2018 (juil. - sept. 2018) | 0.8641093937317053 | 0.6237761660204519 | 0.7333309927531915 | 0.7770362087782747 | 0.7458303788990746 | 0.7939169958127515 | 0.7890998227318937 | 0.5992556105741755 | 0.5992556105741755 | 0.9792784804218976 | 0 | 0.9792784804218976 | 0.7828202806399954 TRIM 4 2017 (juil. - sept. 2017) | 0.8836790531385764 | 0.6232858903876597 | 0.7066634276429399 | 0.7885573510105512 | 0.753588310842891 | 0.7204250792926348 | 0.7719959577089655 | 0.658807001323884 | 0.7066634276429399 | 0.9826560951437067 | 0 | 0.9826560951437067 | 0.7689457133974044 CUMUL 2018 (octobre 2017- sept. 2018) | 0.8701934855721045 | 0.6211145821246524 | 0.7081852736079371 | 0.7883236027626626 | 0.7754640419260888 | 0.7705328185157186 | 0.7898286588026519 | 0.5866113731458331 | 0.5866113731458331 | 0.9625605445738971 | 0 | 0.9625605445738971 | 0.7834044677928268 CUMUL 2017 (octobre 2016- sept. 2017) | 0.8878419265598951 | 0.6597828653859523 | 0.6925680448020417 | 0.7804078268741383 | 0.740530066579505 | 0.6431104592380702 | 0.744606319795091 | 0.5660093949999826 | 0.5660093949999826 | 0.8706639647156992 | 0.8934731761341566 | 0.8826602912410345 | 0.7389883217995049 Rendement moyen des prêts TRIM 4 2018 (juil. - sept. 2018) | 0.10026482723882774 | 0.04701723355980835 | 0.12957206369379268 | 0.15554804449352458 | 0.10920311736778807 | 0.09902828128930397 | 0.11008829977172926 | 0.12071770683231385 | 0.12071770683231385 | 0.10245450592510033 | 0 | 0.10245450592510033 | 0.11049054888559194 TRIM 4 2017 (juil. - sept. 2017) | 0.09532285355980015 | 0.06174015254190699 | 0.1409556868428752 | 0.15786751847391886 | 0.10951337945839311 | 0.1030326206544619 | 0.11102885666753949 | 0.10720920693329444 | 0.10720920693329444 | 0.11998281338197259 | 0 | 0.11998281338197259 | 0.11090968231107265 CUMUL 2018 (octobre 2017- sept. 2018) | 0.09653255555046658 | 0.051528077885118886 | 0.12747944891409832 | 0.15362525833686036 | 0.10951382869452511 | 0.0978000610885603 | 0.10859905860382285 | 0.10708452236488684 | 0.10708452236488684 | 0.09442684102508472 | 0 | 0.09442684102508472 | 0.10844998153226369 CUMUL 2017 (octobre 2016- sept. 2017) | 0.09628678060173099 | 0.06757785348553112 | 0.13905662432967486 | 0.15571465197765572 | 0.10758340494706214 | 0.1055141735780157 | 0.11166707276238544 | 0.1034675283966458 | 0.1034675283966458 | 0.1268383000573444 | 0.11070244254142723 | 0.11698119811689486 | 0.11137586177051408 Rendement moyen des prêts productifs TRIM 4 2018 (juil. - sept. 2018) | 0.10631326327305538 | 0.12477193834893978 | 0.13044589003994622 | 0.15615061704405142 | 0.11204749730423721 | 0.09913324922484495 | 0.11310068982550307 | 0.1384804088529939 | 0.1384804088529939 | 0.10245450592510033 | 0 | 0.10245450592510033 | 0.11399090609732383 TRIM 4 2017 (juil. - sept. 2017) | 0.10101694059132878 | 0.1604758079177712 | 0.13558788219041407 | 0.15918672929155678 | 0.11280184149191161 | 0.10333797866218081 | 0.11448062311155488 | 0.12044331550484426 | 0.12044331550484426 | 0.11998281338197259 | 0 | 0.11998281338197259 | 0.11477904010882127 CUMUL 2018 (octobre 2017- sept. 2018) | 0.10065245187677198 | 0.1501073122869796 | 0.12802659839796074 | 0.15432852191630367 | 0.11127261078272137 | 0.09796264458623037 | 0.11105803885616343 | 0.12498660766845193 | 0.12498660766845193 | 0.09442684102508472 | 0 | 0.09442684102508472 | 0.11148885421295598 CUMUL 2017 (octobre 2016- sept. 2017) | 0.10058319498716185 | 0.13958293070161917 | 0.13983640067396239 | 0.15706652775037006 | 0.11066429918007976 | 0.10599139947090741 | 0.11482741873780761 | 0.11554669873143061 | 0.11554669873143061 | 0.1268383000573444 | 0.11887129488538832 | 0.1221072463423939 | 0.11500363470366654 Rémunération moyenne des dépôts TRIM 4 2018 (juil. - sept. 2018) | 0.009083165167091577 | 0.020672517542159714 | 0.02584640782143727 | 0.018380808064435924 | 0.013136357514699671 | 0.007762948344028721 | 0.011474452439749724 | 0.05230512788598553 | 0.05230512788598553 | 0.0003047355231108692 | 0 | 0.0003047355231108692 | 0.011895694873154408 TRIM 4 2017 (juil. - sept. 2017) | 0.006556603508245211 | 0.021034957865600716 | 0.027089579263570942 | 0.016522314775565494 | 0.012303241692383074 | 0.010012165498604392 | 0.011377017993347527 | 0.04110516801866475 | 0.04110516801866475 | 0.0003309603672005274 | 0 | 0.0003309603672005274 | 0.01166481375987048 CUMUL 2018 (octobre 2017- sept. 2018) | 0.007959520027080298 | 0.02046125980401867 | 0.02716349695726138 | 0.017076611398330867 | 0.011432343876355026 | 0.008493982118062552 | 0.010982976897461564 | 0.04942189001437359 | 0.04942189001437359 | 0.0006607648352968561 | 0 | 0.0006607648352968561 | 0.011406478059241762 CUMUL 2017 (octobre 2016- sept. 2017) | 0.005968558426564447 | 0.021445903724183868 | 0.028904986775642676 | 0.017747084188045926 | 0.012890351651343439 | 0.013927407641885938 | 0.013003566191134703 | 0.04712371256933539 | 0.04712371256933539 | 0.0029072514642664166 | 0.004369087376323879 | 0.003460012685687764 | 0.013421205154526005 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2018 (juil. - sept. 2018) | 0.6210227671493906 | 0.781755499661932 | 0.5698611363662537 | 0.6698241755508615 | 0.6560976872941655 | 0.6306575030809883 | 0.6365992554240674 | 0.3862848880145627 | 0.3862848880145627 | 0.7701962964546893 | 0 | 0.7701962964546893 | 0.6338097089947548 TRIM 4 2017 (juil. - sept. 2017) | 0.5511684817439795 | 0.9429868355503696 | 0.7714587182189172 | 0.7166367714933392 | 0.7056398846170377 | 1.1174225227867027 | 0.769929160165666 | 0.42515271412878947 | 0.42515271412878947 | 0.7899096220758475 | 0 | 0.7899096220758475 | 0.7604889427295601 CUMUL 2018 (octobre 2017- sept. 2018) | 0.5967340321275334 | 0.8415071941828338 | 0.6063052807866371 | 0.6648575227664645 | 0.6863308948616355 | 0.6652059554244748 | 0.6536469512900794 | 0.5277503330403409 | 0.5277503330403409 | 0.861869453677343 | 0 | 0.861869453677343 | 0.6550381318122509 CUMUL 2017 (octobre 2016- sept. 2017) | 0.6065613951815964 | 0.7914730470838941 | 0.7252914112208851 | 0.6862085842736059 | 0.7110305086638463 | 0.25759194644786443 | 0.4401886549833023 | 0.47447374387287766 | 0.47447374387287766 | 0.8872626843376006 | 1.175512732350301 | 1.0020549634789297 | 0.45197932490196135 Productivité par employé ('000) TRIM 4 2018 (juil. - sept. 2018) | 5239.994962216625 | 1425.254668108108 | 6090.695999854809 | 3022.23355704698 | 4025.403093485423 | 4878.7171694388935 | 4358.371007771704 | 5894.43830216216 | 5894.43830216216 | 12068.645161290322 | 0 | 12068.645161290322 | 4432.02402615825 TRIM 4 2017 (juil. - sept. 2017) | 4140.606208155813 | 1240.9479495970695 | 4953.7344383775535 | 2784.179640718563 | 3232.208005582419 | 2510.699205770286 | 3163.5759622780806 | 6049.499110684933 | 6049.499110684933 | 11424.25 | 0 | 11424.25 | 3264.567555568354 CUMUL 2018 (octobre 2017- sept. 2018) | 6158.446246620919 | 1219.1182222222224 | 5492.893104321223 | 2915.209173036831 | 3418.4905367064193 | 4266.680721185528 | 3838.94212160416 | 5038.16690244898 | 5038.16690244898 | 11050.507936507936 | 0 | 11050.507936507936 | 3905.1831603775977 CUMUL 2017 (octobre 2016- sept. 2017) | 4022.6345991917897 | 1186.4737313375795 | 4640.315959149691 | 2744.01866251944 | 2975.7234170833362 | 10344.60020767949 | 5208.647266558115 | 5370.043140563378 | 5370.043140563378 | 8466.323529411764 | 4186.791208791209 | 6017.03144654088 | 5224.883469251728 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé juin 18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 juin 2018 | 0.09088174789329653 | -0.01368523975800011 | 0.09908023115011652 | 0.09405017703523051 | 0.07801518208809051 | 0.08649823046589548 | 0.08547354383947255 | 0.08660192551347733 | 0.08660192551347733 | 0.0441175140483737 | 0 | 0.0441175140483737 | 0.08450340838830142 Au 30 septembre 2017 | 0.0834201499302249 | -0.014176025936642439 | 0.07840922528323485 | 0.09367044060633924 | 0.07991860672264169 | 0.10609234265175779 | 0.09080437150842925 | 0.09507468240204019 | 0.09507468240204019 | 0.06146839025813514 | 0 | 0.06146839025813514 | 0.09028944500124288 Dépôts en % de l'actif Au 30 juin 2018 | 0.7776945646625703 | 0.8816462756266215 | 0.6969229448222843 | 0.8147920927636872 | 0.8146633141700348 | 0.8327839488970207 | 0.8061837661026202 | 0.5898965448231558 | 0.5898965448231558 | 0.841695211342584 | 0 | 0.841695211342584 | 0.8022021202849586 Au 30 septembre 2017 | 0.7967339134890208 | 0.8651932000945095 | 0.7701438375716377 | 0.8171239264785816 | 0.8169525961844799 | 0.8087123387988768 | 0.8071709020730373 | 0.5688768589590548 | 0.5688768589590548 | 0.823821089785979 | 0 | 0.823821089785979 | 0.8019314883686469 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 juin 2018 | 0.0734904534852726 | 0.6195230682424012 | 0.009664740099297225 | 0.0040527249035255675 | 0.04156749147887451 | 0.0011510604710220141 | 0.03463806079359376 | 0.0752120762559909 | 0.0752120762559909 | 0 | 0 | 0 | 0.036179105361886885 Au 30 septembre 2017 | 0.04104977576069428 | 0.686357207129491 | 0.00462425113002612 | 0.00561605342940618 | 0.023129614774694583 | 0.002420062145526029 | 0.02939865585618658 | 0.10499642810984694 | 0.10499642810984694 | 0 | 0 | 0 | 0.029344500618131233 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 juin 2018 | 0.39428286187416095 | 0.7811056248577318 | 0.3956434514670283 | 0.966495861253449 | 0.8001449441700302 | 5.467552038892629 | 0.6921871114643843 | 0.42732846952077225 | 0.42732846952077225 | 0 | 0 | 0 | 0.6691759311317291 Au 30 septembre 2017 | 0.8181350299406266 | 0.6815904003222489 | 1.1535657765827423 | 0.8785842500115064 | 1.631193197118891 | 2.698268368499335 | 1.0305607193341697 | 0.2747808000280483 | 0.2747808000280483 | 0 | 0 | 0 | 0.9058530766720206 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 juin 2018 | 0.11849520596990352 | -3.9840759145856253 | 0.029223526731058456 | 0.0005927794481870912 | 0.03586782581542851 | -0.01654311256016699 | 0.03883386133411468 | 0.28933276931115026 | 0.28933276931115026 | 0 | 0 | 0 | 0.04408633667455698 Au 30 septembre 2017 | 0.020754790254356406 | -6.186032494563571 | -0.004558698291423022 | 0.0029505800216204367 | -0.05814921635371679 | -0.009880242163613396 | -0.0025441565949087578 | 0.4642908493017942 | 0.4642908493017942 | 0 | 0 | 0 | 0.009020696097058693 RENTABILITÉ ROA (rendement de l'actif) TRIM 3 2018 (avril - juin 2018) | 0.019971603030366807 | 0.0007566176469736218 | 0.01796819835920119 | 0.02641478031588258 | 0.009826473825225914 | 0.020606453010272238 | 0.01767112228753543 | 0.015350524753707876 | 0.015350524753707876 | 0.003310622991213474 | 0 | 0.003310622991213474 | 0.01730361504733849 TRIM 3 2017 (avril - juin 2017) | 0.014230351844717829 | 0.002443999470485995 | 0.01836617884435404 | 0.02639552767462581 | 0.011130101508962431 | 0.31171301453004147 | 0.13006363049249164 | 0.015578634987185378 | 0.015578634987185378 | 0.003786341209833135 | 0 | 0.003786341209833135 | 0.12461638838151672 CUMUL 2018 (octobre 2017- juin 2018) | 0.021210594474235803 | 0.0009376991834971524 | 0.01885114088833868 | 0.02532502674619232 | 0.009959609471361309 | 0.014430217590493911 | 0.015586001357139367 | 0.01345803226849404 | 0.01345803226849404 | 0.003465238323859195 | 0 | 0.003465238323859195 | 0.015263826027178512 CUMUL 2017 (octobre 2016- juin 2017) | 0.01828167673082888 | 0.0068159466344366905 | 0.016136896268359555 | 0.022724676967052413 | 0.010316905137148039 | 0.12763519996776176 | 0.05767046720949124 | 0.015512883379127282 | 0.015512883379127282 | 0.002072180990059106 | -0.020308014028361684 | -0.006054958231891859 | 0.05447122808559555 ROE (rendement de l'avoir des actionn.) TRIM 3 2018 (avril - juin 2018) | 0.22424518143996625 | -0.05536001327891343 | 0.19969134071630226 | 0.28679226590492546 | 0.12536759769939834 | 0.21187948147058258 | 0.19955402252713444 | 0.17951209025491993 | 0.17951209025491993 | 0.06286520466227001 | 0 | 0.06286520466227001 | 0.1973142356047935 TRIM 3 2017 (avril - juin 2017) | 0.18416184718444123 | -0.4672838999650673 | 0.23553250484975194 | 0.31690221677521596 | 0.14833171437875353 | 2.4017733881242154 | 1.3476321501196276 | 0.18360700778403577 | 0.18360700778403577 | 0.06272951161393699 | 0 | 0.06272951161393699 | 1.3052780541550195 CUMUL 2018 (octobre 2017- juin 2018) | 0.24305390902060572 | -0.06730298862565424 | 0.210096066240312 | 0.26978570446862143 | 0.12621010832096813 | 0.14970611989343716 | 0.17698144672365881 | 0.1481862180263801 | 0.1481862180263801 | 0.06670378092399946 | 0 | 0.06670378092399946 | 0.174815516488242 CUMUL 2017 (octobre 2016- juin 2017) | 0.23597500471757352 | -0.9052640435548027 | 0.19871756851326736 | 0.25892594725466433 | 0.13374474294978808 | 0.9623771308329362 | 0.5882223186828521 | 0.18897247989886823 | 0.18897247989886823 | 0.0322527394436632 | -0.35671611124505986 | -0.09830937958351153 | 0.5648603171884249 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2018 (avril - juin 2018) | 0.8563745903378831 | 0.624445391561287 | 0.6819899915507416 | 0.7897652132790001 | 0.7845708812578047 | 0.7450966354051376 | 0.77902070005898 | 0.5843383968726626 | 0.5843383968726626 | 0.9768858269681993 | 0 | 0.9768858269681993 | 0.7728200799318028 TRIM 3 2017 (avril - juin 2017) | 0.8711427136565073 | 0.6498990629292265 | 0.7019976541419117 | 0.7815971369192667 | 0.7432778573793763 | 0.7209317479900967 | 0.7626086116271422 | 0.5924470532761797 | 0.7019976541419117 | 0.9818373256120032 | 0 | 0.9818373256120032 | 0.7571365221017792 CUMUL 2018 (octobre 2017- juin 2018) | 0.872531660288801 | 0.6202045046858113 | 0.6988019843901012 | 0.7924720664212084 | 0.7862816448566776 | 0.762501271656648 | 0.7900943076319393 | 0.5817167519612552 | 0.5817167519612552 | 0.9574607423015048 | 0 | 0.9574607423015048 | 0.7836176334274839 CUMUL 2017 (octobre 2016- juin 2017) | 0.8893219115290251 | 0.6695199363350418 | 0.6872821735876505 | 0.7804078268741383 | 0.7361449921850155 | 0.6156612177961783 | 0.7366917956880726 | 0.5377651862182473 | 0.5377651862182473 | 0.8386982708831815 | 0.8934731761341566 | 0.8708959647094261 | 0.7304799281339487 Rendement moyen des prêts TRIM 3 2018 (avril - juin 2018) | 0.08796325925519778 | 0.050288349754839985 | 0.12876989422804172 | 0.1560773568986086 | 0.11069158446339063 | 0.09466662404360382 | 0.10666917479826897 | 0.11140590213442512 | 0.11140590213442512 | 0.11530597748569416 | 0 | 0.11530597748569416 | 0.10690765302913809 TRIM 3 2017 (avril - juin 2017) | 0.09563242642481255 | 0.06590183427389895 | 0.1381647155586286 | 0.1536109587213957 | 0.10578842736935999 | 0.10848757457323976 | 0.11189335161860821 | 0.09887798463350371 | 0.09887798463350371 | 0.1259026843966333 | 0 | 0.1259026843966333 | 0.11135033054151028 CUMUL 2018 (octobre 2017- juin 2018) | 0.09521167854299738 | 0.05323729687405595 | 0.13002075054942328 | 0.15479455270232342 | 0.10916354157888335 | 0.09775002951230959 | 0.10849875904502698 | 0.10348073784459517 | 0.10348073784459517 | 0.10590643156349783 | 0 | 0.10590643156349783 | 0.10826463340838571 CUMUL 2017 (octobre 2016- juin 2017) | 0.09639325489025959 | 0.0708480389062848 | 0.14255624806995 | 0.15995741851844544 | 0.10977499064058284 | 0.11096640524364004 | 0.11483831366347631 | 0.10350194490281833 | 0.10350194490281833 | 0.1327389073560339 | 0.14760325672190297 | 0.14179818672365724 | 0.11483304938613698 Rendement moyen des prêts productifs TRIM 3 2018 (avril - juin 2018) | 0.0948562365169664 | 0.12810551413661142 | 0.1298797687719687 | 0.1569132040264162 | 0.115818132077275 | 0.09477485059264971 | 0.11056676779104732 | 0.12404558681778151 | 0.12404558681778151 | 0.11530597748569416 | 0 | 0.11530597748569416 | 0.11112047225230857 TRIM 3 2017 (avril - juin 2017) | 0.10302312575957692 | 0.13273939918377675 | 0.13902616075972318 | 0.1551322948524673 | 0.1097087733994453 | 0.1089426677622746 | 0.11589835677627364 | 0.10984265172849343 | 0.10984265172849343 | 0.1259026843966333 | 0 | 0.1259026843966333 | 0.11569209218485246 CUMUL 2018 (octobre 2017- juin 2018) | 0.10108650728743034 | 0.15349326715447334 | 0.13098542534710547 | 0.15553892522460588 | 0.11290411999626349 | 0.09792277338004736 | 0.11191330234889789 | 0.11371611368701075 | 0.11371611368701075 | 0.10590643156349783 | 0 | 0.10590643156349783 | 0.11195371812948991 CUMUL 2017 (octobre 2016- juin 2017) | 0.10245077929750757 | 0.1296383175996587 | 0.14347085261093848 | 0.1618148583150221 | 0.11365776608300772 | 0.111545592791109 | 0.11865217676836447 | 0.11621414644305798 | 0.11621414644305798 | 0.1327389073560339 | 0.15849505984718443 | 0.14799664483378816 | 0.11914439659697978 Rémunération moyenne des dépôts TRIM 3 2018 (avril - juin 2018) | 0.008679154202320308 | 0.021083402512938894 | 0.030359393523785944 | 0.017234383465554434 | 0.011444804894507273 | 0.009588287998114672 | 0.011737686726435222 | 0.051260984220338084 | 0.051260984220338084 | 0.00031583730524609686 | 0 | 0.00031583730524609686 | 0.01212311424380626 TRIM 3 2017 (avril - juin 2017) | 0.0061319535469142065 | 0.020386760420717003 | 0.026934718674021037 | 0.0162942949904938 | 0.011847296179961444 | 0.010311136791463282 | 0.011264448475625887 | 0.042784793884675404 | 0.042784793884675404 | 0.0003283946558132497 | 0 | 0.0003283946558132497 | 0.01164454870755415 CUMUL 2018 (octobre 2017- juin 2018) | 0.007657245434626082 | 0.021259566583912547 | 0.02804129148103918 | 0.017062544354140067 | 0.010926414127454353 | 0.008863325880937073 | 0.010959639871566581 | 0.04880441279920065 | 0.04880441279920065 | 0.0006775356375837385 | 0 | 0.0006775356375837385 | 0.011344369271907897 CUMUL 2017 (octobre 2016- juin 2017) | 0.005879920760751275 | 0.021231904924981528 | 0.029958457476864656 | 0.017623741484096074 | 0.01328835502026258 | 0.014735719354419868 | 0.013427171248150016 | 0.049578693492003396 | 0.049578693492003396 | 0.0038974546502600488 | 0.005825449835098505 | 0.004642720682539691 | 0.013951897127751274 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2018 (avril - juin 2018) | 0.5949540636992332 | 0.8676880987703675 | 0.6364043190223859 | 0.6526853776534232 | 0.6883995529339914 | 0.6400029930950256 | 0.6474775339572678 | 0.5568523437428733 | 0.5568523437428733 | 0.901332000557906 | 0 | 0.901332000557906 | 0.6503871316437595 TRIM 3 2017 (avril - juin 2017) | 0.6469286165290469 | 0.8209477813784245 | 0.6474023912660632 | 0.6528330550289395 | 0.6901136123720241 | 0.0890410243565396 | 0.21339292684841848 | 0.5014154273883946 | 0.5014154273883946 | 0.8805995190425592 | 0 | 0.8805995190425592 | 0.2193384858918227 CUMUL 2018 (octobre 2017- juin 2018) | 0.5872430412302388 | 0.8659166088584042 | 0.621339477977577 | 0.663035757805607 | 0.698888592072047 | 0.6790651334829751 | 0.6604610096451807 | 0.5867969014608542 | 0.5867969014608542 | 0.8955527009455568 | 0 | 0.8955527009455568 | 0.6635175030710514 CUMUL 2017 (octobre 2016- juin 2017) | 0.6271738078016506 | 0.7468940807897229 | 0.7078157059883053 | 0.6862085842736059 | 0.7130719390062673 | 0.20134612142507458 | 0.38630939219156746 | 0.4945764251883224 | 0.4945764251883224 | 0.9325514987707484 | 1.175512732350301 | 1.0521604300186065 | 0.4002880632034485 Productivité par employé ('000) TRIM 3 2018 (avril - juin 2018) | 4444.345986309894 | 1124.526729660377 | 5464.165781930502 | 3048.078706957133 | 3389.5012457457046 | 4331.499855502465 | 3834.778974623932 | 4966.438146938777 | 4966.438146938777 | 11283.409836065573 | 0 | 11283.409836065573 | 3899.6535963712377 TRIM 3 2017 (avril - juin 2017) | 3366.939467312349 | 1288.8009488172045 | 4654.208153508631 | 2889.7596371882087 | 3030.500828791334 | 30010.658008372826 | 10581.344616942491 | 4776.468147397251 | 4776.468147397251 | 8540.179104477613 | 0 | 8540.179104477613 | 10476.120108294986 CUMUL 2018 (octobre 2017- juin 2018) | 4389.786848072562 | 1132.3539661152884 | 5234.9799731788935 | 2963.2671976828387 | 3194.9089097950437 | 4016.872807778624 | 3654.1570383435774 | 4739.377029297053 | 4739.377029297053 | 11128.262295081966 | 0 | 11128.262295081966 | 3718.7709763311054 CUMUL 2017 (octobre 2016- juin 2017) | 3881.5569767643315 | 1203.1684601044933 | 4406.409902834008 | 2682.035087719298 | 2901.120054315948 | 13321.109499363265 | 5911.736850208573 | 5086.755008638495 | 5086.755008638495 | 7484.228571428572 | 5582.388278388279 | 6409.27536231884 | 5907.73947014456 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé mars 18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 mars 2018 | 0.0872622133770277 | -0.013649500292432745 | 0.08003725713529243 | 0.09010135015562101 | 0.07876801483324114 | 0.10738721421051199 | 0.09162202573185481 | 0.08440197395727933 | 0.08440197395727933 | 0.06298441868509086 | 0 | 0.06298441868509086 | 0.09089213819390073 Au 30 septembre 2017 | 0.0834201499302249 | -0.014176025936642439 | 0.07840922528323485 | 0.09367044060633924 | 0.07991860672264169 | 0.10609234265175779 | 0.09080437150842925 | 0.09507468240204019 | 0.09507468240204019 | 0.06146839025813514 | 0 | 0.06146839025813514 | 0.09028944500124288 Dépôts en % de l'actif Au 31 mars 2018 | 0.7908116110041861 | 0.8730197128235888 | 0.7331328859127368 | 0.8231033722209862 | 0.7939251713247153 | 0.8120769867681632 | 0.7994143004103741 | 0.588781219952532 | 0.588781219952532 | 0.8137484687780568 | 0 | 0.8137484687780568 | 0.7950737733421004 Au 30 septembre 2017 | 0.7967339134890208 | 0.8651932000945095 | 0.7701438375716377 | 0.8171239264785816 | 0.8169525961844799 | 0.8087123387988768 | 0.8071709020730373 | 0.5688768589590548 | 0.5688768589590548 | 0.823821089785979 | 0 | 0.823821089785979 | 0.8019314883686469 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2018 | 0.07186698980390227 | 0.5954720284473068 | 0.007379160525669301 | 0.006650111506752624 | 0.04709895529735428 | 0.0011328501514417093 | 0.035873724979469404 | 0.12836326615299543 | 0.12836326615299543 | 0 | 0 | 0 | 0.03967106991844018 Au 30 septembre 2017 | 0.04104977576069428 | 0.686357207129491 | 0.00462425113002612 | 0.00561605342940618 | 0.023129614774694583 | 0.002420062145526029 | 0.02939865585618658 | 0.10499642810984694 | 0.10499642810984694 | 0 | 0 | 0 | 0.029344500618131233 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2018 | 0.361494544166233 | 0.8001990402897368 | 0.5920743283039126 | 0.7213173183162848 | 0.7098397779062932 | 4.888264239040616 | 0.6509547473038946 | 0.24019755812048352 | 0.24019755812048352 | 0 | 0 | 0 | 0.594122793905314 Au 30 septembre 2017 | 0.8181350299406266 | 0.6815904003222489 | 1.1535657765827423 | 0.8785842500115064 | 1.631193197118891 | 2.698268368499335 | 1.0305607193341697 | 0.2747808000280483 | 0.2747808000280483 | 0 | 0 | 0 | 0.9058530766720206 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2018 | 0.12923230999025095 | -3.477098831297275 | 0.019550023592216734 | 0.008369101009344194 | 0.058707793766369136 | -0.01080236196356376 | 0.041738401835555196 | 0.6908170950072726 | 0.6908170950072726 | 0 | 0 | 0 | 0.054400193651368056 Au 30 septembre 2017 | 0.020754790254356406 | -6.186032494563571 | -0.004558698291423022 | 0.0029505800216204367 | -0.05814921635371679 | -0.009880242163613396 | -0.0025441565949087578 | 0.4642908493017942 | 0.4642908493017942 | 0 | 0 | 0 | 0.009020696097058693 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2018 (janvier-mars 2018) | 0.02007645081647743 | -0.0011794553068383748 | 0.022590323441013745 | 0.024468590036969835 | 0.018276421406504772 | 0.010436727742895405 | 0.013810201788669926 | 0.009790490776753523 | 0.009790490776753523 | 0.008018564937629001 | 0 | 0.008500074201058532 | 0.013606135646086738 TRIM 2 2017 (janvier-mars 2017) | 0.020603081727528942 | 0.00893218663172735 | 0.016069247249460166 | 0.01803997050490282 | 0.010545599224806202 | 0.03187063639005525 | 0.02129227240415069 | 0.016231023139722887 | 0.016231023139722887 | -0.001574825395034261 | 0 | -0.0010109881321851073 | 0.020417486868180103 CUMUL 2018 (octobre 2017- mars 2018) | 0.021330540133946082 | 0.0010196169190796506 | 0.019773057842229713 | 0.024610902850211287 | 0.010172577927970865 | 0.010796872270308734 | 0.014259815004426898 | 0.01266958797684134 | 0.01266958797684134 | 0.00390710710391009 | 0 | 0.00390710710391009 | 0.01401208806481492 CUMUL 2017 (octobre 2016- mars 2017) | 0.019621100707944802 | 0.008634735281173315 | 0.013584492437108879 | 0.020067610844470188 | 0.009495531204563536 | 0.02409592841671606 | 0.018001828420994348 | 0.015417158574676942 | 0.015417158574676942 | 0.0010491428257548892 | -0.030462021042542527 | -0.010018907819766977 | 0.016984691444393712 ROE (rendement de l'avoir des actionn.) TRIM 2 2018 (janvier-mars 2018) | 0.22889931739638508 | 0.08851415850047194 | 0.2832269766935527 | 0.2640517819121411 | 0.06607872944263284 | 0.09686721689742252 | 0.14897134747067103 | 0.10676892397818859 | 0.10676892397818859 | 0.14483293939420452 | 0 | 0.14483293939420452 | 0.14797878560312577 TRIM 2 2017 (janvier-mars 2017) | 0.2721328235394424 | -26.72436271548687 | 0.21288960610666205 | 0.21604121794081088 | 0.1456552791917641 | 0.25828690113470354 | 0.23320525282237992 | 0.21314036769398034 | 0.21314036769398034 | -0.025410027257399152 | 0 | -0.016498642566047793 | 0.22715213621851277 CUMUL 2018 (octobre 2017- mars 2018) | 0.2497367120694095 | -0.07328727601686073 | 0.249455971169385 | 0.26805751582795573 | 0.12823694478121722 | 0.10113891843541085 | 0.15631454424891678 | 0.14114277786124715 | 0.14114277786124715 | 0.06278625978204946 | 0 | 0.06278625978204946 | 0.15466018466627968 CUMUL 2017 (octobre 2016- mars 2017) | 0.2658680441575514 | -6.5016508002924684 | 0.17599809105002956 | 0.23796424774500474 | 0.13049264187059048 | 0.19415735918562935 | 0.19714048661727937 | 0.19840232431641028 | 0.19840232431641028 | 0.017333210554200982 | -0.5350741668675898 | -0.1690546076745205 | 0.18903280329027164 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2018 (janvier-mars 2018) | 0.8750668907059378 | 0.598030810289222 | 0.707852641892984 | 0.7907228541423226 | 0.792223239695161 | 0.7749310104647635 | 0.796072938242601 | 0.552721212780686 | 0.552721212780686 | 0.9132678541701349 | 0 | 0.9132678541701349 | 0.7884463460591302 TRIM 2 2017 (janvier-mars 2017) | 0.8935037845454382 | 0.6954422694255329 | 0.6722531390838068 | 0.7933609821384313 | 0.7299339101185963 | 0.6066707023076311 | 0.7355607978195611 | 0.5631711068809706 | 0.6722531390838068 | 0.9827677732859651 | 0 | 0.9827677732859651 | 0.7289705010822303 CUMUL 2018 (octobre 2017- mars 2018) | 0.8811026928933959 | 0.6180583607781363 | 0.707880429903593 | 0.7939115924917471 | 0.7872084314563847 | 0.7716124560920499 | 0.7959878245534213 | 0.5802636318132743 | 0.5802636318132743 | 0.9497112129057956 | 0 | 0.9497112129057956 | 0.7893616475196739 CUMUL 2017 (octobre 2016- mars 2017) | 0.8973105168205402 | 0.6778909737251234 | 0.6789975776397131 | 0.7798217370818282 | 0.7328366152407596 | 0.5595056523710638 | 0.7240366759640798 | 0.515289914198177 | 0.515289914198177 | 0.7861137524779602 | 0.8934731761341566 | 0.8570804195804196 | 0.71785641752369 Rendement moyen des prêts TRIM 2 2018 (janvier-mars 2018) | 0.09045494502795803 | 0.04576778267002639 | 0.12853084932988626 | 0.15061961815411276 | 0.1068145437211407 | 0.09719882073336154 | 0.10618420774106428 | 0.09618720087407989 | 0.09618720087407989 | 0.10863690749901836 | 0 | 0.10863690749901836 | 0.10575912873556188 TRIM 2 2017 (janvier-mars 2017) | 0.09097759350709261 | 0.06802299495036186 | 0.13472454628813463 | 0.15253484311557894 | 0.10603141383894181 | 0.10788775374347953 | 0.1105387670020298 | 0.10458548574303947 | 0.10458548574303947 | 0.1319354149546754 | 0 | 0.049018036918113704 | 0.10902035675839465 CUMUL 2018 (octobre 2017- mars 2018) | 0.09451984754038159 | 0.0545370388540022 | 0.1292530604499425 | 0.15387923328071884 | 0.10804656863881701 | 0.09732548139653623 | 0.10759650624531564 | 0.09852638876460632 | 0.09852638876460632 | 0.11138645329494624 | 0 | 0.11138645329494624 | 0.10721477879270713 CUMUL 2017 (octobre 2016- mars 2017) | 0.09418298228420802 | 0.06893930000321001 | 0.13625437577348382 | 0.1540817020708974 | 0.11191016859088622 | 0.10861012757383716 | 0.11318918919109404 | 0.10255315098200907 | 0.10255315098200907 | 0.14464728745036554 | 0.22140488508285447 | 0.19156870946340576 | 0.11425492609154593 Rendement moyen des prêts productifs TRIM 2 2018 (janvier-mars 2018) | 0.0961094673684445 | 0.10333415776673893 | 0.12944524619035852 | 0.15172114567600176 | 0.11097728017383436 | 0.09732464986648694 | 0.1095252069466819 | 0.10821966907657928 | 0.10821966907657928 | 0.10863690749901836 | 0 | 0.10863690749901836 | 0.1094686816557519 TRIM 2 2017 (janvier-mars 2017) | 0.09681577172323239 | 0.12290819662878413 | 0.1356843921629879 | 0.15387011323745156 | 0.10985656384839715 | 0.10818373914838333 | 0.1141493969992799 | 0.11689804848518216 | 0.11689804848518216 | 0.1319354149546754 | 0 | 0.05096799879324713 | 0.11302784087910467 CUMUL 2018 (octobre 2017- mars 2018) | 0.10028340429002348 | 0.1519226499793232 | 0.130045556452174 | 0.15483229978101448 | 0.11206191538618475 | 0.09749640319193643 | 0.11105310829356668 | 0.11155648061833252 | 0.11155648061833252 | 0.11138645329494624 | 0 | 0.11138645329494624 | 0.1110754153539554 CUMUL 2017 (octobre 2016- mars 2017) | 0.10005682111780399 | 0.11915390128917487 | 0.13716175308118372 | 0.15565874153013878 | 0.11589632506924752 | 0.10924633528774226 | 0.11692873839398567 | 0.11328293428676499 | 0.11328293428676499 | 0.14464728745036554 | 0.23774258977077664 | 0.1999690446622151 | 0.11844266771787731 Rémunération moyenne des dépôts TRIM 2 2018 (janvier-mars 2018) | 0.007306282961500864 | 0.020704457662782613 | 0.027726653883559712 | 0.01704192882893471 | 0.011050628472546908 | 0.00816015901919845 | 0.0105735337481242 | 0.04925635455773916 | 0.04925635455773916 | 0.0014801939274227322 | 0 | 0.0014801939274227322 | 0.011006770485380221 TRIM 2 2017 (janvier-mars 2017) | 0.005543049974235677 | 0.018792132359079856 | 0.028811605654501714 | 0.015962200753009737 | 0.012636356832706861 | 0.015262439649831393 | 0.013141655670970807 | 0.045713264114936834 | 0.045713264114936834 | 0.000354846050314353 | 0 | 0.00021885717786391894 | 0.013496325257513597 CUMUL 2018 (octobre 2017- mars 2018) | 0.006899023428809755 | 0.021223038024859284 | 0.027014288994901815 | 0.016755876306672846 | 0.011035303710933518 | 0.00824541319777753 | 0.010454705502021603 | 0.04777254502201378 | 0.04777254502201378 | 0.0009656284089790057 | 0 | 0.0009656284089790057 | 0.010869521830061032 CUMUL 2017 (octobre 2016- mars 2017) | 0.005508018679002325 | 0.020976643727997634 | 0.02867929544274023 | 0.017565431002072075 | 0.013297639557189165 | 0.01755440604023919 | 0.014217051290969056 | 0.05282373515154667 | 0.05282373515154667 | 0.005508652748162295 | 0.008738174752647758 | 0.006735079905698583 | 0.014876567181294646 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2018 (janvier-mars 2018) | 0.5840935037297303 | 0.9078571020935413 | 0.5820786132305901 | 0.6706026298142346 | 0.7175642589532797 | 0.7190575240258421 | 0.6735802847951627 | 0.6651191416172803 | 0.6651191416172803 | 0.7464640857308361 | 0 | 0.7464640857308361 | 0.6748110418861201 TRIM 2 2017 (janvier-mars 2017) | 0.5928719590592997 | 0.6993302701031483 | 0.7195441635236152 | 0.7330402449588237 | 0.7049782505827564 | 0.5108524576092318 | 0.6130582599912998 | 0.47672697608856446 | 0.47672697608856446 | 1.0603815780278147 | 0 | 1.0603815780278147 | 0.6158418021094347 CUMUL 2018 (octobre 2017- mars 2018) | 0.5833517513717434 | 0.8650449331697323 | 0.6133013367354043 | 0.6686903292440235 | 0.7046303561265072 | 0.7011281081979528 | 0.6674959729785215 | 0.6028715587903788 | 0.6028715587903788 | 0.8926021967327902 | 0 | 0.8926021967327902 | 0.6706227204971584 CUMUL 2017 (octobre 2016- mars 2017) | 0.6185354179848418 | 0.7132669206378212 | 0.7421025019878225 | 0.705623015950299 | 0.7253896200545115 | 0.5906021613405381 | 0.6549682541241971 | 0.49133112162574855 | 0.49133112162574855 | 0.9622929956698176 | 1.175512732350301 | 1.091061261238413 | 0.6679498194740048 Productivité par employé ('000) TRIM 2 2018 (janvier-mars 2018) | 4477.468982630273 | 1063.5844270676694 | 5896.294163584522 | 2928.91888011486 | 3099.348154100038 | 3865.3664682245826 | 3620.2071880575904 | 4367.933158620689 | 4367.933158620689 | 10692.129032258064 | 0 | 10692.129032258064 | 3677.8341027121824 TRIM 2 2017 (janvier-mars 2017) | 3808.055312154964 | 1361.3770200701756 | 4369.327040633662 | 2560.2285714285713 | 3040.718093999292 | 5204.70236844213 | 3729.821682155239 | 5505.267869650349 | 5505.267869650349 | 6636.057971014493 | 0 | 2916.484076433121 | 3743.3083553104634 CUMUL 2018 (octobre 2017- mars 2018) | 4362.759556103576 | 1134.1177558052434 | 5412.980615591838 | 2893.3673469387754 | 3086.4202519118435 | 3840.250448294721 | 3560.346779332546 | 4657.530350410958 | 4657.530350410958 | 10872.451612903225 | 0 | 10872.451612903225 | 3624.8551697288062 CUMUL 2017 (octobre 2016- mars 2017) | 4056.1063011989795 | 1237.276174375 | 4216.560459532 | 2581.4673998428907 | 2857.3211874626863 | 4381.1288455475615 | 3469.755670066749 | 5174.62424 | 5174.62424 | 7038.704225352113 | 8373.582417582418 | 7788.543209876543 | 3571.2904321562055 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé.déc. 17] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 décembre 2017 | 0.0881835687432316 | -0.013008901344112313 | 0.07946620322235824 | 0.09534873584975903 | 0.08429701482029836 | 0.10810912522953939 | 0.09382951717951481 | 0.09908058089890975 | 0.09908058089890975 | 0.0548798910706409 | 0 | 0.0548798910706409 | 0.0930393879797384 Au 30 septembre 2017 | 0.0834201499302249 | -0.014176025936642439 | 0.07840922528323485 | 0.09367044060633924 | 0.07991860672264169 | 0.10609234265175779 | 0.09080437150842925 | 0.09507468240204019 | 0.09507468240204019 | 0.06146839025813514 | 0 | 0.06146839025813514 | 0.09028944500124288 Dépôts en % de l'actif Au 31 décembre 2017 | 0.7870651351378388 | 0.8741985332084818 | 0.7461608855807176 | 0.8141459178226423 | 0.789974190241537 | 0.808804847203026 | 0.7967224013592114 | 0.5890125450861728 | 0.5890125450861728 | 0.8373417161771807 | 0 | 0.8373417161771807 | 0.7929963918563984 Au 30 septembre 2017 | 0.7967339134890208 | 0.8651932000945095 | 0.7701438375716377 | 0.8171239264785816 | 0.8169525961844799 | 0.8087123387988768 | 0.8071709020730373 | 0.5688768589590548 | 0.5688768589590548 | 0.823821089785979 | 0 | 0.823821089785979 | 0.8019314883686469 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2017 | 0.04435229614331744 | 0.5186835549188813 | 0.006729930078716517 | 0.007880723866580943 | 0.027551243781507573 | 0.0014619647269173616 | 0.024832701066821943 | 0.09379878101172621 | 0.09379878101172621 | 0 | 0 | 0 | 0.027789693403274047 Au 30 septembre 2017 | 0.04104977576069428 | 0.686357207129491 | 0.00462425113002612 | 0.00561605342940618 | 0.023129614774694583 | 0.002420062145526029 | 0.02939865585618658 | 0.10499642810984694 | 0.10499642810984694 | 0 | 0 | 0 | 0.029344500618131233 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2017 | 0.7433935831227337 | 0.9130039056197421 | 0.6633369573541121 | 0.5949955645284635 | 1.2479957797468173 | 3.850325843740794 | 1.0105645190600276 | 0.32162254959021286 | 0.32162254959021286 | 0 | 0 | 0 | 0.907010005524532 Au 30 septembre 2017 | 0.8181350299406266 | 0.6815904003222489 | 1.1535657765827423 | 0.8785842500115064 | 1.631193197118891 | 2.698268368499335 | 1.0305607193341697 | 0.2747808000280483 | 0.2747808000280483 | 0 | 0 | 0 | 0.9058530766720206 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2017 | 0.030364455815542618 | -1.3474292610189675 | 0.01487053530361886 | 0.014009492383396636 | -0.027265366408956423 | -0.009907555440736066 | -0.0008413107872902237 | 0.38381957111730586 | 0.38381957111730586 | 0 | 0 | 0 | 0.008386602819762222 Au 30 septembre 2017 | 0.020754790254356406 | -6.186032494563571 | -0.004558698291423022 | 0.0029505800216204367 | -0.05814921635371679 | -0.009880242163613396 | -0.0025441565949087578 | 0.4642908493017942 | 0.4642908493017942 | 0 | 0 | 0 | 0.009020696097058693 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2018 (octobre - décembre 2017) | 0.023188313111920194 | 0.003192925866596893 | 0.017045070956922315 | 0.02487352178676621 | 0.010939616205915983 | 0.011281105455615469 | 0.014884116811717788 | 0.01574556231463619 | 0.01574556231463619 | -0.001180585605183277 | 0 | -0.001180585605183277 | 0.014547998132675433 TRIM 1 2017 (octobre. - décembre. 2016) | 0.018934885612906686 | 0.00801209836266386 | 0.011015214043403236 | 0.022059337695911733 | 0.008340899942155358 | 0.01681595464905405 | 0.014864957311618184 | 0.012733908899580565 | 0.012733908899580565 | 0.0039434334434850565 | 0.01225333721031873 | 0.00843783209437196 | 0.014508610273637715 CUMUL 2017 (octobre - décembre 2017) | 0.023188313111920194 | 0.003192925866596893 | 0.017045070956922315 | 0.02487352178676621 | 0.010939616205915983 | 0.011281105455615469 | 0.014884116811717788 | 0.01574556231463619 | 0.01574556231463619 | -0.001180585605183277 | 0 | -0.001180585605183277 | 0.014547998132675433 CUMUL 2017 (octobre - décembre 2016) | 0.018934885612906686 | 0.00801209836266386 | 0.011015214043403236 | 0.022059337695911733 | 0.008340899942155358 | 0.01681595464905405 | 0.014864957311618184 | 0.012733908899580565 | 0.012733908899580565 | 0.0039434334434850565 | 0.01225333721031873 | 0.00843783209437196 | 0.014508610273637715 ROE (rendement de l'avoir des actionn.) TRIM 1 2018 (octobre - décembre 2017) | 0.2702090233768101 | -0.23504106358588853 | 0.21590129989058102 | 0.26314109622186516 | 0.1331871595635812 | 0.10532688463798251 | 0.16120403464581384 | 0.16223165200755651 | 0.16223165200755651 | -0.02036672284606169 | 0 | -0.02036672284606169 | 0.1586855933606742 TRIM 1 2017 (octobre. - décembre. 2016) | 0.24957580832083764 | -3.2748844408966895 | 0.1402278790807287 | 0.2503309046237874 | 0.11211423040109189 | 0.13340699622081545 | 0.16052717461950636 | 0.17172833033624013 | 0.17172833033624013 | 0.059681082527912564 | 0.20952224563615432 | 0.1361631778208532 | 0.16006853692302708 CUMUL 2017 (octobre - décembre 2017) | 0.2702090233768101 | -0.23504106358588853 | 0.21590129989058102 | 0.26314109622186516 | 0.1331871595635812 | 0.10532688463798251 | 0.16120403464581384 | 0.16223165200755651 | 0.16223165200755651 | -0.02036672284606169 | 0 | -0.02036672284606169 | 0.1586855933606742 CUMUL 2017 (octobre - décembre 2016) | 0.24957580832083764 | -3.2748844408966895 | 0.1402278790807287 | 0.2503309046237874 | 0.11211423040109189 | 0.13340699622081545 | 0.16052717461950636 | 0.17172833033624013 | 0.17172833033624013 | 0.059681082527912564 | 0.20952224563615432 | 0.1361631778208532 | 0.16006853692302708 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2018 (octobre - décembre 2017) | 0.8872332475014777 | 0.6359825199501048 | 0.7079099822758125 | 0.7972182427810209 | 0.7819663729680532 | 0.7682327551454634 | 0.7959002087542476 | 0.6064065534310368 | 0.6064065534310368 | 0.9831563669696738 | 0 | 0.9831563669696738 | 0.7903002468161384 TRIM 1 2017 (octobre. - décembre. 2016) | 0.900956530115805 | 0.6621502185440028 | 0.6863470160513077 | 0.7665466728445665 | 0.7355293580080692 | 0.5125476792527465 | 0.7128349550641802 | 0.4681491589526141 | 0.6863470160513077 | 0.6578891314766494 | 0.8849936617563492 | 0.8046690335157125 | 0.7041671441964007 CUMUL 2017 (octobre - décembre 2017) | 0.8872332475014777 | 0.6359825199501048 | 0.7079099822758125 | 0.7972182427810209 | 0.7819663729680532 | 0.7682327551454634 | 0.7959002087542476 | 0.6064065534310368 | 0.6064065534310368 | 0.9831563669696738 | 0 | 0.9831563669696738 | 0.7903002468161384 CUMUL 2017 (octobre - décembre 2016) | 0.900956530115805 | 0.6621502185440028 | 0.6863470160513077 | 0.7665466728445665 | 0.7355293580080692 | 0.5125476792527465 | 0.7128349550641802 | 0.4681491589526141 | 0.4681491589526141 | 0.6578891314766494 | 0.8934731761341566 | 0.8376673751663503 | 0.7075048607564874 Rendement moyen des prêts TRIM 1 2018 (octobre - décembre 2017) | 0.10294320157523773 | 0.06344669170150499 | 0.1291178724825451 | 0.15327567053521823 | 0.10709121393205814 | 0.09938025826590609 | 0.10962294376310215 | 0.10105336171909882 | 0.10105336171909882 | 0.13140886407741284 | 0 | 0.13140886407741284 | 0.10935602434152218 TRIM 1 2017 (octobre. - décembre. 2016) | 0.09831105377298689 | 0.06977858194288665 | 0.13830843325353867 | 0.15577697625693093 | 0.11546078856908241 | 0.11406345860553206 | 0.1170436631034873 | 0.20248345714665372 | 0.1007959323575557 | 0.15661437327884872 | 0.12561748600119524 | 0.13338461976807134 | 0.11677401633162962 CUMUL 2017 (octobre - décembre 2017) | 0.10294320157523773 | 0.06344669170150499 | 0.1291178724825451 | 0.15327567053521823 | 0.10709121393205814 | 0.09938025826590609 | 0.10962294376310215 | 0.10105336171909882 | 0.10105336171909882 | 0.13140886407741284 | 0 | 0.13140886407741284 | 0.10935602434152218 CUMUL 2017 (octobre - décembre 2016) | 0.09831105377298689 | 0.06977858194288665 | 0.13830843325353867 | 0.15577697625693093 | 0.11546078856908241 | 0.11406345860553206 | 0.1170436631034873 | 0.1007959323575557 | 0.1007959323575557 | 0.15661437327884872 | 0.12561748600119524 | 0.13338461976807134 | 0.11677401633162962 Rendement moyen des prêts productifs TRIM 1 2018 (octobre - décembre 2017) | 0.1075375098464567 | 0.1597116539790373 | 0.12986030294576656 | 0.1543231955246419 | 0.10988572398912398 | 0.09957311247540984 | 0.11247264717237342 | 0.11220329916888375 | 0.11220329916888375 | 0.13140886407741284 | 0 | 0.13140886407741284 | 0.11256990051000276 TRIM 1 2017 (octobre. - décembre. 2016) | 0.10312161151915987 | 0.11658060607371488 | 0.13933513510443551 | 0.1573943928932084 | 0.11943330429261999 | 0.11448933855634616 | 0.1205481336228177 | 0.11386563523569672 | 0.11386563523569672 | 0.15661437327884872 | 0.13431858563124893 | 0.14019048075371773 | 0.12089265849388386 CUMUL 2017 (octobre - décembre 2017) | 0.1075375098464567 | 0.1597116539790373 | 0.12986030294576656 | 0.1543231955246419 | 0.10988572398912398 | 0.09957311247540984 | 0.11247264717237342 | 0.11220329916888375 | 0.11220329916888375 | 0.13140886407741284 | 0 | 0.13140886407741284 | 0.11256990051000276 CUMUL 2017 (octobre - décembre 2016) | 0.10312161151915987 | 0.11658060607371488 | 0.13933513510443551 | 0.1573943928932084 | 0.11943330429261999 | 0.11448933855634616 | 0.1205481336228177 | 0.11386563523569672 | 0.11386563523569672 | 0.15661437327884872 | 0.13431858563124893 | 0.14019048075371773 | 0.12089265849388386 Rémunération moyenne des dépôts TRIM 1 2018 (octobre - décembre 2017) | 0.006715813040283033 | 0.021055369887113397 | 0.026768975223195067 | 0.016662313278233823 | 0.011263730730453192 | 0.008438531464933228 | 0.010536321483356956 | 0.04623048225568694 | 0.04623048225568694 | 0.00031232020895001006 | 0 | 0.00031232020895001006 | 0.010895441584678759 TRIM 1 2017 (octobre. - décembre. 2016) | 0.005501087042935991 | 0.023017826366998985 | 0.029192960650758125 | 0.01963368195608425 | 0.013826161369309553 | 0.020785553043365636 | 0.015563694069234277 | 0.05143347414162695 | 0.05143347414162695 | 0.01169162419876853 | 0.005345891290051007 | 0.008053729191220398 | 0.0162025659053089 CUMUL 2017 (octobre - décembre 2017) | 0.006715813040283033 | 0.021055369887113397 | 0.026768975223195067 | 0.016662313278233823 | 0.011263730730453192 | 0.008438531464933228 | 0.010536321483356956 | 0.04623048225568694 | 0.04623048225568694 | 0.00031232020895001006 | 0 | 0.00031232020895001006 | 0.010895441584678759 CUMUL 2017 (octobre - décembre 2016) | 0.005501087042935991 | 0.023017826366998985 | 0.029192960650758125 | 0.01963368195608425 | 0.013826161369309553 | 0.020785553043365636 | 0.015563694069234277 | 0.05143347414162695 | 0.05143347414162695 | 0.01169162419876853 | 0.005345891290051007 | 0.008053729191220398 | 0.0162025659053089 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2018 (octobre - décembre 2017) | 0.5825797766496057 | 0.8275118214313001 | 0.650814108179149 | 0.6666687395191396 | 0.6918892208058895 | 0.6829209087567941 | 0.6612310274115106 | 0.5486162719377583 | 0.5486162719377583 | 1.0339719118831647 | 0 | 1.0339719118831647 | 0.6663294373712607 TRIM 1 2017 (octobre. - décembre. 2016) | 0.6436474709812053 | 0.7266558613884487 | 0.7675051215060326 | 0.6777126856048046 | 0.7487601413054535 | 0.706703352425296 | 0.7046905643367471 | 0.5081807306231958 | 0.5081807306231958 | 0.8793666267854241 | 0.8239523058039628 | 0.8459745824895072 | 0.706606153783746 CUMUL 2017 (octobre - décembre 2017) | 0.5825797766496057 | 0.8275118214313001 | 0.650814108179149 | 0.6666687395191396 | 0.6918892208058895 | 0.6829209087567941 | 0.6612310274115106 | 0.5486162719377583 | 0.5486162719377583 | 1.0339719118831647 | 0 | 1.0339719118831647 | 0.6663294373712607 CUMUL 2017 (octobre - décembre 2016) | 0.6436474709812053 | 0.7266558613884487 | 0.7675051215060326 | 0.6777126856048046 | 0.7487601413054535 | 0.706703352425296 | 0.7046905643367471 | 0.5081807306231958 | 0.5081807306231958 | 0.8793666267854241 | 1.175512732350301 | 1.0978621223857474 | 0.7264080657763469 Productivité par employé ('000) TRIM 1 2018 (octobre - décembre 2017) | 4275.654747225647 | 1208.6345468164793 | 4907.61826672098 | 2856.7105847520356 | 3147.3307926777866 | 3822.34394304 | 3532.1892694288676 | 5011.3693401379305 | 5011.3693401379305 | 11052.774193548386 | 0 | 11052.774193548386 | 3604.249963357969 TRIM 1 2017 (octobre. - décembre. 2016) | 4094.9312005605093 | 1242.6593873230768 | 3990.7364124187698 | 2576.6772151898736 | 2663.2527402060387 | 3696.4914820372674 | 3206.459601020001 | 4908.920710791368 | 4908.920710791368 | 7522.333333333333 | 4587.888268156425 | 5429.641434262948 | 3292.183520588739 CUMUL 2017 (octobre - décembre 2017) | 4275.654747225647 | 1208.6345468164793 | 4907.61826672098 | 2856.7105847520356 | 3147.3307926777866 | 3822.34394304 | 3532.1892694288676 | 5011.3693401379305 | 5011.3693401379305 | 11052.774193548386 | 0 | 11052.774193548386 | 3604.249963357969 CUMUL 2017 (octobre - décembre 2016) | 4094.9312005605093 | 1242.6593873230768 | 3990.7364124187698 | 2576.6772151898736 | 2663.2527402060387 | 3696.4914820372674 | 3206.459601020001 | 4908.920710791368 | 4908.920710791368 | 7522.333333333333 | 4587.888268156425 | 5429.641434262948 | 3292.183520588739 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé.sept. 17 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 septembre 2017 | 0.0834201499302249 | -0.014176025936642439 | 0.07840922528323485 | 0.09367044060633924 | 0.07991860672264169 | 0.10609234265175779 | 0.09080437150842925 | 0.09507468240204019 | 0.09507468240204019 | 0.06146839025813514 | 0 | 0.06146839025813514 | 0.09028944500124288 Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.09264028791412363 | 0.07554863019553665 | 0.07554863019553665 | 0.06444567566828094 | 0.05693046483793471 | 0.06043220452290159 | 0.0906192688286851 Dépôts en % de l'actif Au 30 septembre 2017 | 0.7967339134890208 | 0.8651932000945095 | 0.7701438375716377 | 0.8171239264785816 | 0.8169525961844799 | 0.8087123387988768 | 0.8071709020730373 | 0.5688768589590548 | 0.5688768589590548 | 0.823821089785979 | 0 | 0.823821089785979 | 0.8019314883686469 Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.8170382553634135 | 0.7109068765144876 | 0.7109068765144876 | 0.7621981791567485 | 0.8802919302902742 | 0.825265719552309 | 0.8141191051278704 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2017 | 0.04104977576069428 | 0.686357207129491 | 0.00462425113002612 | 0.00561605342940618 | 0.023129614774694583 | 0.002420062145526029 | 0.025865605150765563 | 0.10499642810984694 | 0.10499642810984694 | 0 | 0 | 0 | 0.029344500618131233 Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.02939865585618658 | 0.1040880136032887 | 0.1040880136032887 | 0.02138304931574691 | 0.06872014267058517 | 0.050697034468474234 | 0.03394940216672454 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2017 | 0.8181350299406266 | 0.6815904003222489 | 1.1535657765827423 | 0.8785842500115064 | 1.631193197118891 | 2.698268368499335 | 1.0305607193341697 | 0.2747808000280483 | 0.2747808000280483 | 0 | 0 | 0 | 0.9058530766720206 Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 1.036109278122458 | 0.19974725426153223 | 0.19974725426153223 | 0 | 0.5685748629475483 | 0.5685748629475483 | 0.8810163174056982 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2017 | 0.020754790254356406 | -6.186032494563571 | -0.004558698291423022 | 0.0029505800216204367 | -0.05814921635371679 | -0.009880242163613396 | -0.0025441565949087578 | 0.4642908493017942 | 0.4642908493017942 | 0 | 0 | 0 | 0.009020696097058693 Au 30 septembre 2016 | 0.020086764726991935 | -5.448785091579863 | -0.008596697155750272 | 0.020792761718043545 | -0.03493361736482914 | -0.007182810489663147 | -0.0034287634969076973 | 0.5466429004007477 | 0.5466429004007477 | 0 | 0.16272682481943118 | 0.08186804493433891 | 0.013459872248919563 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 2017 (juil. - sept. 2017) | 0.01806694083661455 | -0.006179669411945845 | 0.010536519132377332 | 0.021466369639495383 | 0.01144427683959751 | 0.005862221150217952 | 0.011008020654770067 | 0.02447647759800863 | 0.02447647759800863 | 0.008626577889473437 | 0 | 0.008626577889473437 | 0.011275612317557242 TRIM 4 2016 (juil. - sept. 2016) | 0.01357917021322789 | -0.010144683049198074 | 0.011009093567073176 | 0.01630822825992434 | 0.014322806666009668 | 0.0532375191524521 | 0.02718271162079874 | 0.018885212448790854 | 0.018885212448790854 | 0.001751881958331591 | 0.012696554617847449 | 0.007664774293832385 | 0.025981825416948073 CUMUL 2017 (octobre 2016- sept. 2017) | 0.018062145278275488 | 0.003775823116284691 | 0.014517451786845848 | 0.02293952804710684 | 0.010432367816115416 | 0.09857517999857628 | 0.04596590064012797 | 0.01715282860907039 | 0.01715282860907039 | 0.0036624516274374767 | -0.015231010521271264 | -0.0030311767722261077 | 0.04357447304307952 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.019529060226210284 | -0.014990865276120102 | 0.01744300692167167 | 0.023824430796300346 | 0.015564538256984568 | 0.06614101829095291 | 0.0344320721022208 | 0.016960648235968614 | 0.016960648235968614 | -0.0021418922549968364 | 0.010548444886662215 | 0.004287635487077266 | 0.03240628733053552 ROE (rendement de l'avoir des actionn.) TRIM 4 2017 (juil. - sept. 2017) | 0.21969608916766412 | 0.4782584103008216 | 0.13177518787491974 | 0.2383568649403244 | 0.1435944111837033 | 0.04820239628593562 | 0.11378187303414009 | 0.26457898747538944 | 0.26457898747538944 | 0.13755868666581791 | 0 | 0.13755868666581791 | 0.11750846719255952 TRIM 4 2016 (juil. - sept. 2016) | 0.1786516827563843 | 4.414968112842477 | 0.15549366177139204 | 0.18474987597709933 | 0.19203370591967966 | 0.42776818311468073 | 0.296297095185858 | 0.2538621953059445 | 0.2538621953059445 | 0.02658732339448941 | 0.22846300792239466 | 0.12707405370275088 | 0.28971330206087686 CUMUL 2017 (octobre 2016- sept. 2017) | 0.2293992337967404 | -0.44256091228108707 | 0.18287346439484464 | 0.25057155038378437 | 0.13475256856226234 | 0.8572216246631783 | 0.5015119822617307 | 0.20302229476133865 | 0.20302229476133865 | 0.05823246127814656 | -0.2675370834337949 | -0.04987047253955227 | 0.48177828328957045 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.26549605001192456 | -1.848055842937219 | 0.23562061642520515 | 0.2672395978336055 | 0.21161221850485226 | 0.608435043921886 | 0.4003915766227895 | 0.22638851768650495 | 0.22638851768650495 | -0.030407044828678585 | 0.19249911632700958 | 0.0685856807705271 | 0.3835190142286141 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2017 (juil. - sept. 2017) | 0.8836790531385764 | 0.6232858903876597 | 0.7066634276429399 | 0.7885573510105512 | 0.753588310842891 | 0.7204250792926348 | 0.7719959577089655 | 0.658807001323884 | 0.658807001323884 | 0.9826560951437067 | 0 | 0.9826560951437067 | 0.7689457133974044 TRIM 4 2016 (juil. - sept. 2016) | 0.9088997312279506 | 0.6670901881675468 | 0.7129648772373909 | 0.7228366280919363 | 0.7249191460047677 | 0.6291376525070017 | 0.7432042138528369 | 0.5513729783490157 | 0.7129648772373909 | 0.5912408759124088 | 0.8994449755683025 | 0.7899300651412821 | 0.7352883466718235 CUMUL 2017 (octobre 2016- sept. 2017) | 0.8878419265598951 | 0.6597828653859523 | 0.6925680448020417 | 0.7824669660532327 | 0.740530066579505 | 0.6431104592380702 | 0.7458142506496874 | 0.5660093949999826 | 0.5660093949999826 | 0.8706639647156992 | 0.8934731761341566 | 0.8826602912410345 | 0.7402625990100686 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.9143506643184073 | 0.6573058064314096 | 0.7449085998425536 | 0.7757136292247017 | 0.7384321497851011 | 0.66949993362236 | 0.7620093641485891 | 0.5260544202341622 | 0.5260544202341622 | 0.6590478136957681 | 0.9007887696143022 | 0.8061886681788796 | 0.7518670085025657 Rendement moyen des prêts TRIM 4 2017 (juil. - sept. 2017) | 0.09532285355980015 | 0.06174015254190699 | 0.1409556868428752 | 0.15786751847391886 | 0.10951337945839311 | 0.1030326206544619 | 0.11102885666753949 | 0.10720920693329444 | 0.10720920693329444 | 0.11998281338197259 | 0 | 0.11998281338197259 | 0.11090968231107265 TRIM 4 2016 (juil. - sept. 2016) | 0.11018945358319393 | 0.07994753044498167 | 0.13887951370301477 | 0.1565428027985789 | 0.11499774686806219 | 0.1162745366058481 | 0.11978142395216886 | 0.11400102351468751 | 0.11400102351468751 | 0.14699635151478196 | 0.13533173109235908 | 0.13830482951675474 | 0.12015361160040354 CUMUL 2017 (octobre 2016- sept. 2017) | 0.09628678060173099 | 0.06757785348553112 | 0.13905662432967486 | 0.15571465197765572 | 0.10758340494706214 | 0.1055141735780157 | 0.11166707276238544 | 0.1034675283966458 | 0.1034675283966458 | 0.1268383000573444 | 0.11070244254142723 | 0.11698119811689486 | 0.11137586177051408 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.09633592835005592 | 0.06146693783202019 | 0.14585129355671123 | 0.15802953367459835 | 0.1165599849408993 | 0.12091848658212812 | 0.11949368001140762 | 0.11429602531156825 | 0.11429602531156825 | 0.12860638622540582 | 0.12596896452166792 | 0.12680791691442875 | 0.11952648983663465 Rendement moyen des prêts productifs TRIM 4 2017 (juil. - sept. 2017) | 0.10101694059132878 | 0.1604758079177712 | 0.13558788219041407 | 0.15918672929155678 | 0.11280184149191161 | 0.10333797866218081 | 0.11448062311155488 | 0.12044331550484426 | 0.12044331550484426 | 0.11998281338197259 | 0 | 0.11998281338197259 | 0.11477904010882127 TRIM 4 2016 (juil. - sept. 2016) | 0.11817454887478364 | 0.12994217015999968 | 0.13989669151096742 | 0.15863256012769167 | 0.12025120591872503 | 0.11714964345245969 | 0.12441504423654709 | 0.1265345736833658 | 0.1265345736833658 | 0.14699635151478196 | 0.14458104581134948 | 0.1452274768918207 | 0.12527328403943144 CUMUL 2017 (octobre 2016- sept. 2017) | 0.10058319498716185 | 0.13958293070161917 | 0.13983640067396239 | 0.15706652775037006 | 0.11066429918007976 | 0.10599139947090741 | 0.11482741873780761 | 0.11554669873143061 | 0.11554669873143061 | 0.1268383000573444 | 0.11887129488538832 | 0.1221072463423939 | 0.11500363470366654 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.10202761183967712 | 0.10012672542382962 | 0.1473249912107327 | 0.15953236774373156 | 0.12144614872788519 | 0.12162364539119629 | 0.12360103468545577 | 0.1251884086558649 | 0.1251884086558649 | 0.12860638622540582 | 0.13439307623958416 | 0.13247016312085885 | 0.12404153454218945 Rémunération moyenne des dépôts TRIM 4 2017 (juil. - sept. 2017) | 0.006556603508245211 | 0.021034957865600716 | 0.027089579263570942 | 0.016522314775565494 | 0.012303241692383074 | 0.010012165498604392 | 0.011377017993347527 | 0.04110516801866475 | 0.04110516801866475 | 0.0003309603672005274 | 0 | 0.0003309603672005274 | 0.01166481375987048 TRIM 4 2016 (juil. - sept. 2016) | 0.005425908473680794 | 0.020287397202389444 | 0.027305560900669976 | 0.023027790359969092 | 0.014382620753842069 | 0.01628634138898156 | 0.014225843355463315 | 0.04632200559215955 | 0.04632200559215955 | 0.015405826122444902 | 0.005095213994109857 | 0.009483717817562383 | 0.014883118125419821 CUMUL 2017 (octobre 2016- sept. 2017) | 0.005968558426564447 | 0.021445903724183868 | 0.028904986775642676 | 0.017747084188045926 | 0.012890351651343439 | 0.013927407641885938 | 0.013003566191134703 | 0.04712371256933539 | 0.04712371256933539 | 0.0029072514642664166 | 0.004369087376323879 | 0.003460012685687764 | 0.013421205154526005 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.004712985163678976 | 0.01615293422044827 | 0.023940048805936875 | 0.018463017032424905 | 0.014490003478511261 | 0.015445704433420197 | 0.013260407962321348 | 0.04825146953623522 | 0.04825146953623522 | 0.013265786558804471 | 0.005034994051497499 | 0.008789133339888804 | 0.01401804110283661 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2017 (juil. - sept. 2017) | 0.5511684817439795 | 0.9429868355503696 | 0.7714587182189172 | 0.7166367714933392 | 0.7056398846170377 | 1.1174225227867027 | 0.769929160165666 | 0.42515271412878947 | 0.42515271412878947 | 0.7899096220758475 | 0 | 0.7899096220758475 | 0.7604889427295601 TRIM 4 2016 (juil. - sept. 2016) | 0.6770912705730295 | 1.0806112874095015 | 0.8332054795866007 | 0.7578729611049446 | 0.6995594773445958 | 0.3782329418548628 | 0.5904986440686749 | 0.6155693220939157 | 0.6155693220939157 | 0.9366464729438341 | 0.8102603341167041 | 0.8541636942978076 | 0.6008509737828742 CUMUL 2017 (octobre 2016- sept. 2017) | 0.6065613951815964 | 0.7914730470838941 | 0.7252914112208851 | 0.6942270591089116 | 0.7110305086638463 | 0.25759194644786443 | 0.4456561571699389 | 0.47447374387287766 | 0.47447374387287766 | 0.8872626843376006 | 1.175512732350301 | 1.0020549634789297 | 0.4570289913501697 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.5913411826168897 | 1.118898252521943 | 0.7253859185085992 | 0.6752080410433678 | 0.6230409619146867 | 0.3281101295659893 | 0.49759013671977587 | 0.5139899591332413 | 0.5139899591332413 | 1.0633732637111362 | 0.7879742780532948 | 0.9009224007614355 | 0.5131372781157897 Productivité par employé ('000) TRIM 4 2017 (juil. - sept. 2017) | 4140.606208155813 | 1240.9479495970695 | 4953.7344383775535 | 2784.179640718563 | 3232.208005582419 | 2510.699205770286 | 3163.5759622780806 | 6049.499110684933 | 6049.499110684933 | 11424.25 | 0 | 11424.25 | 3264.567555568354 TRIM 4 2016 (juil. - sept. 2016) | 4510.701592151556 | 1208.9907112643677 | 4306.34030550107 | 2526.97004048583 | 3128.8255387149447 | 5407.901844163196 | 3889.782729025032 | 5540.92285142857 | 5540.92285142857 | 6403.726027397261 | 4852.2430939226515 | 5298.141732283465 | 3954.1907793328232 CUMUL 2017 (octobre 2016- sept. 2017) | 4022.6345991917897 | 1186.4737313375795 | 4640.315959149691 | 2744.01866251944 | 2975.7234170833362 | 10344.60020767949 | 5208.647266558115 | 5370.043140563378 | 5370.043140563378 | 8466.323529411764 | 4186.791208791209 | 6017.03144654088 | 5224.883469251728 CUMUL 2016 (octobre 2015 - sept. 2016) | 4248.7397139385075 | 924.0659584070797 | 4019.023697366072 | 2582.7159663865546 | 2941.9717203651107 | 6870.057843196617 | 4159.868845802437 | 5119.021304857143 | 5119.021304857143 | 7813.6 | 4708.715083798883 | 5625.511811023622 | 4216.334641971632 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé.juin. 17 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 juin 2017 | 0.08102107582265142 | -0.01174894809648042 | 0.08162506837054122 | 0.08651993424157746 | 0.07946894976397167 | 0.13682085071269867 | 0.10274779831155015 | 0.08992051528136087 | 0.08992051528136087 | 0.0640527220129743 | 0 | 0.0640527220129743 | 0.101685765232157 Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.0778475628014552 | 0.07554863019553665 | 0.07416133737929038 | 0.06444567566828094 | 0.05693046483793471 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 30 juin 2017 | 0.7935861776006404 | 0.8658293811261846 | 0.7595661331068647 | 0.8209516379773892 | 0.8271017810729085 | 0.7941601146396632 | 0.8029045000896806 | 0.6244917837809718 | 0.6244917837809718 | 0.8306234564943674 | 0 | 0.8306234564943674 | 0.7992623149106796 Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.807361058954389 | 0.7109068765144876 | 0.7415964005105095 | 0.7621981791567485 | 0.8802919302902742 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 juin 2017 | 0.07213809638017675 | 0.5455303337022512 | 0.005977766301569762 | 0.011136216357939217 | 0.035500500020747706 | 0.0035450139074200714 | 0.03473618647419924 | 0.11483555104987128 | 0.11483555104987128 | 0 | 0 | 0 | 0.038368529588421026 Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.03780035503263564 | 0.1040880136032887 | 0.06747514519877892 | 0.02138304931574691 | 0.06872014267058517 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 juin 2017 | 0.37938610194472794 | 0.8254684050277725 | 1.0000100626631443 | 0.5292129824474537 | 1.2011860140913466 | 2.026691708702309 | 0.8052393477636457 | 0.24652784587111465 | 0.24652784587111465 | 0 | 0 | 0 | 0.7242478782185418 Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 0.8631981462990274 | 0.19974725426153223 | 0.3540804752847749 | 0 | 0.5685748629475483 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 juin 2017 | 0.12771973756780336 | -3.0966442132034366 | -3.661017580394584e-07 | 0.02257616256879013 | -0.028339436056358046 | -0.006023138354832103 | 0.01816720069176477 | 0.5551045407449487 | 0.5551045407449487 | 0 | 0 | 0 | 0.02908589736634229 Au 30 septembre 2016 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 3 2017 (avril - juin 2017) | 0.014230351844717829 | 0.002443999470485995 | 0.01836617884435404 | 0.02639552767462581 | 0.011130101508962431 | 0.31171301453004147 | 0.13006363049249164 | 0.015578634987185378 | 0.015578634987185378 | 0.003786341209833135 | 0 | 0.003786341209833135 | 0.12461638838151672 TRIM 3 2016 (avril - juin 2016) | 0.019911545014999327 | -0.02063591790293716 | 0.015339621331204208 | 0.0229429049102063 | 0.014798529592930699 | 0.02453331198642385 | 0.01940820317964486 | 0.013277654846450724 | 0.013277654846450724 | -0.011173411267785907 | 0.009105410782358542 | -0.0003918495410553343 | 0.01821682530186565 CUMUL 2017 (octobre 2016- juin 2017) | 0.01828167673082888 | 0.0068159466344366905 | 0.016136896268359555 | 0.022724676967052413 | 0.010316905137148039 | 0.12763519996776176 | 0.05767046720949124 | 0.015512883379127282 | 0.015512883379127282 | 0.002072180990059106 | -0.020308014028361684 | -0.006054958231891859 | 0.05447122808559555 CUMUL 2016 (octobre 2015 - juin 2016) | 0.022477441615451482 | -0.016622975511305014 | 0.02103870618716056 | 0.026248675726797777 | 0.01606775159678749 | 0.07209049599940802 | 0.03770358005114629 | 0.016001923014604267 | 0.016001923014604267 | -0.0034498343331314523 | 0.009201384165931548 | 0.0030429524924592763 | 0.03523623678118958 ROE (rendement de l'avoir des actionn.) TRIM 3 2017 (avril - juin 2017) | 0.18416184718444123 | -0.4672838999650673 | 0.23553250484975194 | 0.31690221677521596 | 0.14833171437875353 | 2.4017733881242154 | 1.3476321501196276 | 0.18360700778403577 | 0.18360700778403577 | 0.06272951161393699 | 0 | 0.06272951161393699 | 1.3052780541550195 TRIM 3 2016 (avril - juin 2016) | 0.2542310750395305 | -13.5780622457336 | 0.25423236763972035 | 0.2705324976978403 | 0.20251114771001666 | 0.19317294129383694 | 0.21081495913324563 | 0.18449633431881354 | 0.18449633431881354 | -0.15673788322941518 | 0.16462566063684775 | -0.006240380429663563 | 0.20254545206358493 CUMUL 2017 (octobre 2016- juin 2017) | 0.23597500471757352 | -0.9052640435548027 | 0.19871756851326736 | 0.25892594725466433 | 0.13374474294978808 | 0.9623771308329362 | 0.5882223186828521 | 0.18897247989886823 | 0.18897247989886823 | 0.0322527394436632 | -0.35671611124505986 | -0.09830937958351153 | 0.5648603171884249 CUMUL 2016 (octobre 2015 - juin 2016) | 0.2961377240066761 | -1.7252626497284809 | 0.34525407628134047 | 0.2977654568409157 | 0.21928238112032564 | 0.6839046488731917 | 0.44493381128783877 | 0.21727860242280306 | 0.21727860242280306 | -0.04797924461751013 | 0.1724463882294498 | 0.04877680650228625 | 0.42330142448204167 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2017 (avril - juin 2017) | 0.8711427136565073 | 0.6498990629292265 | 0.7019976541419117 | 0.7815971369192667 | 0.7432778573793763 | 0.7209317479900967 | 0.7626086116271422 | 0.5924470532761797 | 0.5924470532761797 | 0.9818373256120032 | 0 | 0.9818373256120032 | 0.7571365221017792 TRIM 3 2016 (avril - juin 2016) | 0.9332635993951712 | 0.662300155287165 | 0.7413061463859962 | 0.7644662243127717 | 0.7277559959814078 | 0.6603661141659318 | 0.7591945386711655 | 0.4594464118233303 | 0.7413061463859962 | 0.5764086174242424 | 0.8951325740855184 | 0.789285924877646 | 0.7449032862656447 CUMUL 2017 (octobre 2016- juin 2017) | 0.8893219115290251 | 0.6695199363350418 | 0.6872821735876505 | 0.7804078268741383 | 0.7361449921850155 | 0.6156612177961783 | 0.7366917956880726 | 0.5377651862182473 | 0.5377651862182473 | 0.8386982708831815 | 0.8934731761341566 | 0.8708959647094261 | 0.7304799281339487 CUMUL 2016 (octobre 2015 - juin 2016) | 0.9166109630114884 | 0.6519413185620322 | 0.7577193294949203 | 0.7952468746564428 | 0.743044164085532 | 0.6827768851366872 | 0.7688462289789834 | 0.5167919970824469 | 0.5167919970824469 | 0.6799548395243294 | 0.9012982044609104 | 0.8118875453808995 | 0.757887610383223 Rendement moyen des prêts TRIM 3 2017 (avril - juin 2017) | 0.09563242642481255 | 0.06590183427389895 | 0.1381647155586286 | 0.1536109587213957 | 0.10578842736935999 | 0.10848757457323976 | 0.11189335161860821 | 0.09887798463350371 | 0.09887798463350371 | 0.1259026843966333 | 0 | 0.1259026843966333 | 0.11135033054151028 TRIM 3 2016 (avril - juin 2016) | 0.09337066200819989 | 0.06121460351828856 | 0.14200864415727035 | 0.15854155336570794 | 0.12221106007134766 | 0.12182779491025064 | 0.12103802005960006 | 0.1076550916621657 | 0.1076550916621657 | 0.12502378426644348 | 0.12106177534443686 | 0.12212464046276986 | 0.12035520383847599 CUMUL 2017 (octobre 2016- juin 2017) | 0.09639325489025959 | 0.0708480389062848 | 0.14255624806995 | 0.15995741851844544 | 0.10977499064058284 | 0.11096640524364004 | 0.11483831366347631 | 0.10350194490281833 | 0.10350194490281833 | 0.1327389073560339 | 0.14760325672190297 | 0.14179818672365724 | 0.11483304938613698 CUMUL 2016 (octobre 2015 - juin 2016) | 0.09019646999718021 | 0.054926100101777175 | 0.14706060977351473 | 0.16196937277307707 | 0.11991728873343777 | 0.12790082525858557 | 0.12199575318849559 | 0.11245431287159298 | 0.11245431287159298 | 0.13601282994752154 | 0.11879360608705153 | 0.1241382018862278 | 0.1215808923904879 Rendement moyen des prêts productifs TRIM 3 2017 (avril - juin 2017) | 0.10302312575957692 | 0.13273939918377675 | 0.13902616075972318 | 0.1551322948524673 | 0.1097087733994453 | 0.1089426677622746 | 0.11589835677627364 | 0.10984265172849343 | 0.10984265172849343 | 0.1259026843966333 | 0 | 0.1259026843966333 | 0.11569209218485246 TRIM 3 2016 (avril - juin 2016) | 0.10276715044855231 | 0.1062237818120657 | 0.14277480207451584 | 0.16076959336074356 | 0.12909376550652923 | 0.1229880041871539 | 0.12671820829602004 | 0.11744143925513033 | 0.11744143925513033 | 0.12502378426644348 | 0.12914877074765363 | 0.12798904649279208 | 0.1262847570465996 CUMUL 2017 (octobre 2016- juin 2017) | 0.10245077929750757 | 0.1296383175996587 | 0.14347085261093848 | 0.1618148583150221 | 0.11365776608300772 | 0.111545592791109 | 0.11865217676836447 | 0.11621414644305798 | 0.11621414644305798 | 0.1327389073560339 | 0.15849505984718443 | 0.14799664483378816 | 0.11914439659697978 CUMUL 2016 (octobre 2015 - juin 2016) | 0.09817492340715712 | 0.09077413657125592 | 0.14865319683593278 | 0.163743487642064 | 0.1264884645477433 | 0.12871224350870966 | 0.12733636917567073 | 0.12244117324936489 | 0.12244117324936489 | 0.13601282994752154 | 0.1261333431373118 | 0.12932798923761532 | 0.12717283757705236 Rémunération moyenne des dépôts TRIM 3 2017 (avril - juin 2017) | 0.0061319535469142065 | 0.020386760420717003 | 0.026934718674021037 | 0.0162942949904938 | 0.011847296179961444 | 0.010311136791463282 | 0.011264448475625887 | 0.042784793884675404 | 0.042784793884675404 | 0.0003283946558132497 | 0 | 0.0003283946558132497 | 0.01164454870755415 TRIM 3 2016 (avril - juin 2016) | 0.0036750865127900705 | 0.015076689154457586 | 0.022805682481002284 | 0.01913373828386521 | 0.015157309230914273 | 0.015784234873827057 | 0.013363631111712621 | 0.05317795633192592 | 0.05317795633192592 | 0.013171228034821767 | 0.004917175739012291 | 0.008454079612896917 | 0.014281220934464597 CUMUL 2017 (octobre 2016- juin 2017) | 0.005879920760751275 | 0.021231904924981528 | 0.029958457476864656 | 0.017623741484096074 | 0.01328835502026258 | 0.014735719354419868 | 0.013427171248150016 | 0.049578693492003396 | 0.049578693492003396 | 0.0038974546502600488 | 0.005825449835098505 | 0.004642720682539691 | 0.013951897127751274 CUMUL 2016 (octobre 2015 - juin 2016) | 0.004559562824372697 | 0.014412296360940586 | 0.023151959008541126 | 0.016739724491173488 | 0.014524191710675748 | 0.015355142388740499 | 0.013049213719986 | 0.048701912566072064 | 0.048701912566072064 | 0.012836624658583075 | 0.004802777763234483 | 0.008427693905447608 | 0.013829618685132957 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2017 (avril - juin 2017) | 0.6469286165290469 | 0.8209477813784245 | 0.6474023912660632 | 0.6528330550289395 | 0.6901136123720241 | 0.0890410243565396 | 0.21339292684841848 | 0.5014154273883946 | 0.5014154273883946 | 0.8805995190425592 | 0 | 0.8805995190425592 | 0.2193384858918227 TRIM 3 2016 (avril - juin 2016) | 0.5634874019283601 | 1.216568612235641 | 0.7677363534225444 | 0.671107356549996 | 0.6397287685064426 | 0.5699539075985189 | 0.6164649014696062 | 0.5039525550922092 | 0.5039525550922092 | 1.3489865808310184 | 0.8937631651250114 | 1.0799961517184982 | 0.6334397744549646 CUMUL 2017 (octobre 2016- juin 2017) | 0.6271738078016506 | 0.7468940807897229 | 0.7078157059883053 | 0.6862085842736059 | 0.7130719390062673 | 0.20134612142507458 | 0.38630939219156746 | 0.4945764251883224 | 0.4945764251883224 | 0.9325514987707484 | 1.175512732350301 | 1.0521604300186065 | 0.4002880632034485 CUMUL 2016 (octobre 2015 - juin 2016) | 0.5567950208262309 | 1.138252256150906 | 0.6833668514963728 | 0.6470838075552823 | 0.5960078460000633 | 0.3155895101602068 | 0.4684984200944234 | 0.47630416773747436 | 0.47630416773747436 | 1.094941511493077 | 0.7801237293356608 | 0.9153222853627816 | 0.48559716626210525 Productivité par employé ('000) TRIM 3 2017 (avril - juin 2017) | 3366.939467312349 | 1288.8009488172045 | 4654.208153508631 | 2889.7596371882087 | 3030.500828791334 | 30010.658008372826 | 10581.344616942491 | 4776.468147397251 | 4776.468147397251 | 8540.179104477613 | 0 | 8540.179104477613 | 10476.120108294986 TRIM 3 2016 (avril - juin 2016) | 4036.6798644565215 | 965.4160479518072 | 3552.6860827789333 | 2545.1014014839243 | 2976.6086750812715 | 4437.407433361415 | 3449.172422234634 | 4666.428012394366 | 4666.428012394366 | 7559.666666666667 | 4416.6741573033705 | 5321.856 | 3519.816150275632 CUMUL 2017 (octobre 2016- juin 2017) | 3881.5569767643315 | 1203.1684601044933 | 4406.409902834008 | 2682.035087719298 | 2901.120054315948 | 13321.109499363265 | 5911.736850208573 | 5086.755008638495 | 5086.755008638495 | 7484.228571428572 | 5582.388278388279 | 6409.27536231884 | 5907.73947014456 CUMUL 2016 (octobre 2015 - juin 2016) | 4061.9285330780563 | 848.4247421814474 | 3953.0258294431737 | 2584.649196956889 | 2887.5192037442143 | 7385.451919750035 | 4246.17406100758 | 4908.2693228169 | 4908.2693228169 | 8453.189189189188 | 4668.883895131086 | 5780.148148148149 | 4300.014414708717 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé.mars. 17 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 mars 2017 | 0.0736988865014922 | 0.0007909450186385002 | 0.07445828573374791 | 0.080059383841459 | 0.07083251077909412 | 0.12177941515625275 | 0.09013315124618414 | 0.08011571076402878 | 0.08011571076402878 | 0.05702035735992737 | 0 | 0.05702035735992737 | 0.08914327144185961 Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.0778475628014552 | 0.07554863019553665 | 0.07416133737929038 | 0.06444567566828094 | 0.05693046483793471 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 31 mars 2017 | 0.8049503032547094 | 0.8623080597938928 | 0.7708966215284364 | 0.8392394798116236 | 0.841735416159767 | 0.8102898206503486 | 0.8178135979832046 | 0.6462155888253123 | 0.6462155888253123 | 0.792931646608357 | 0 | 0.792931646608357 | 0.8128665192814553 Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.807361058954389 | 0.7109068765144876 | 0.7415964005105095 | 0.7621981791567485 | 0.8802919302902742 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2017 | 0.0713384332929066 | 0.4673613599241478 | 0.006413020064993351 | 0.008570233738542361 | 0.03596835960229763 | 0.004795145221727041 | 0.034379302285498216 | 0.08556093207934917 | 0.08556093207934917 | 0 | 0 | 0 | 0.03670438508229733 Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.03780035503263564 | 0.1040880136032887 | 0.06747514519877892 | 0.02138304931574691 | 0.06872014267058517 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2017 | 0.38598416335725255 | 0.75775556179769 | 1.0555358942631836 | 0.6750486163051608 | 1.1904765777751567 | 2.1537141065099825 | 0.8176961015552461 | 0.3157651703685972 | 0.3157651703685972 | 0 | 0 | 0 | 0.7591496770418897 Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 0.8631981462990274 | 0.19974725426153223 | 0.3540804752847749 | 0 | 0.5685748629475483 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2017 | 0.1308560092711111 | 58.6833759623123 | -0.0023111336473447004 | 0.013958365863014861 | -0.028832279734334724 | -0.011978085451464473 | 0.019976532724595094 | 0.41400593580359424 | 0.41400593580359424 | 0 | 0 | 0 | 0.028765776722914287 Au 30 septembre 2016 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2017 (janvier-mars 2017) | 0.020603081727528942 | 0.00893218663172735 | 0.016069247249460166 | 0.01803997050490282 | 0.010545599224806202 | 0.03187063639005525 | 0.02129227240415069 | 0.016231023139722887 | 0.016231023139722887 | -0.001574825395034261 | 0 | -0.0010109881321851073 | 0.020417486868180103 TRIM 2 2016 (janvier-mars 2016) | 0.024980414608962935 | -0.013129966728332802 | 0.026077024036181333 | 0.025925701943261818 | 0.01839839115781365 | 0.15495746115467723 | 0.06785344626743901 | 0.01912869140687904 | 0.01912869140687904 | -0.008641165256532092 | 0.0063718776070625606 | -0.0010052911505397638 | 0.06275095152959771 CUMUL 2017 (octobre 2016- mars 2017) | 0.019621100707944802 | 0.008634735281173315 | 0.013584492437108879 | 0.020067610844470188 | 0.009495531204563536 | 0.02409592841671606 | 0.018001828420994348 | 0.015417158574676942 | 0.015417158574676942 | 0.0010491428257548892 | -0.030462021042542527 | -0.010018907819766977 | 0.016984691444393712 CUMUL 2016 (octobre 2015- mars 2016) | 0.023873759794929433 | -0.014166118694393515 | 0.0236541415794388 | 0.02711976864490607 | 0.016423970743072867 | 0.09733603616764135 | 0.04715465929099655 | 0.01697295368720907 | 0.01697295368720907 | 0.00033561112004750187 | 0.009374432138716492 | 0.004831741753345665 | 0.04400863787512705 ROE (rendement de l'avoir des actionn.) TRIM 2 2017 (janvier-mars 2017) | 0.2721328235394424 | -26.72436271548687 | 0.21288960610666205 | 0.21604121794081088 | 0.1456552791917641 | 0.25828690113470354 | 0.23320525282237992 | 0.21314036769398034 | 0.21314036769398034 | -0.025410027257399152 | 0 | -0.016498642566047793 | 0.22715213621851277 TRIM 2 2016 (janvier-mars 2016) | 0.3242037795786949 | -1.2671159352829058 | 0.4307085016022958 | 0.29773500979245887 | 0.24998062795967377 | 1.3637175331431513 | 0.7734395715595391 | 0.2537742466245785 | 0.2537742466245785 | -0.11187989795731092 | 0.1179237384158486 | -0.015363185126325698 | 0.7280568104006448 CUMUL 2017 (octobre 2016- mars 2017) | 0.2658680441575514 | -6.5016508002924684 | 0.17599809105002956 | 0.23796424774500474 | 0.13049264187059048 | 0.19415735918562935 | 0.19714048661727937 | 0.19840232431641028 | 0.19840232431641028 | 0.017333210554200982 | -0.5350741668675898 | -0.1690546076745205 | 0.18903280329027164 CUMUL 2016 (octobre 2015- mars 2016) | 0.3148724569340278 | -1.1282608166894639 | 0.37931751941727904 | 0.31750662199646523 | 0.228435762509175 | 0.8808190980697111 | 0.548239404327035 | 0.23473664890308113 | 0.23473664890308113 | 0.004437685313843696 | 0.17206292504480614 | 0.07420946473303082 | 0.5208353824546921 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2017 (janvier-mars 2017) | 0.8935037845454382 | 0.6954422694255329 | 0.6722531390838068 | 0.7933609821384313 | 0.7299339101185963 | 0.6066707023076311 | 0.7355607978195611 | 0.5631711068809706 | 0.5631711068809706 | 0.9827677732859651 | 0 | 0.9827677732859651 | 0.7289705010822303 TRIM 2 2016 (janvier-mars 2016) | 0.9080253162913378 | 0.6627347863060827 | 0.7698244478366175 | 0.8028698602902288 | 0.7379726592950668 | 0.7242660741733234 | 0.7800456746786468 | 0.5686227904515005 | 0.7698244478366175 | 0.6458112407211029 | 0.8912394634130342 | 0.7960076675264198 | 0.769420991890559 CUMUL 2017 (octobre 2016- mars 2017) | 0.8973105168205402 | 0.6778909737251234 | 0.6789975776397131 | 0.7798217370818282 | 0.7328366152407596 | 0.5595056523710638 | 0.7240366759640798 | 0.515289914198177 | 0.515289914198177 | 0.7861137524779602 | 0.8934731761341566 | 0.8570804195804196 | 0.71785641752369 CUMUL 2016 (octobre 2015- mars 2016) | 0.9074401067801464 | 0.6453390994247824 | 0.7663314810303978 | 0.8120608533220787 | 0.7513845118496085 | 0.6938202075863314 | 0.7739616576293327 | 0.5478382323396979 | 0.5478382323396979 | 0.714654052499529 | 0.9045043114991163 | 0.8218203648676664 | 0.7647266419244265 Rendement moyen des prêts TRIM 2 2017 (janvier-mars 2017) | 0.09097759350709261 | 0.06802299495036186 | 0.13472454628813463 | 0.15253484311557894 | 0.10603141383894181 | 0.10788775374347953 | 0.1105387670020298 | 0.10458548574303947 | 0.10458548574303947 | 0.1319354149546754 | 0 | 0.049018036918113704 | 0.10902035675839465 TRIM 2 2016 (janvier-mars 2016) | 0.096982698205544 | 0.05673521348728673 | 0.15862393079755996 | 0.16323322313521244 | 0.11769366075625844 | 0.12491973088405506 | 0.12281506224320594 | 0.12039968228565831 | 0.12039968228565831 | 0.11471657272811592 | 0.10952141809593473 | 0.11111844487862449 | 0.12217905358870335 CUMUL 2017 (octobre 2016- mars 2017) | 0.09418298228420802 | 0.06893930000321001 | 0.13625437577348382 | 0.1540817020708974 | 0.11191016859088622 | 0.10861012757383716 | 0.11318918919109404 | 0.10255315098200907 | 0.10255315098200907 | 0.14464728745036554 | 0.22140488508285447 | 0.19156870946340576 | 0.11425492609154593 CUMUL 2016 (octobre 2015- mars 2016) | 0.09678498737502761 | 0.05601693738225881 | 0.15277266433271183 | 0.16378251219007578 | 0.11933300894834525 | 0.12682103349457627 | 0.12339992155414406 | 0.11420154540809531 | 0.11420154540809531 | 0.1426408220299191 | 0.11917619022576993 | 0.12688484860499522 | 0.12306495202424649 Rendement moyen des prêts productifs TRIM 2 2017 (janvier-mars 2017) | 0.09681577172323239 | 0.12290819662878413 | 0.1356843921629879 | 0.15387011323745156 | 0.10985656384839715 | 0.10818373914838333 | 0.1141493969992799 | 0.11689804848518216 | 0.11689804848518216 | 0.1319354149546754 | 0 | 0.05096799879324713 | 0.11302784087910467 TRIM 2 2016 (janvier-mars 2016) | 0.10637490242540609 | 0.10271220236170507 | 0.16157144736053827 | 0.16566584073664375 | 0.1244497874722619 | 0.1260649988150655 | 0.12863037162961044 | 0.13112988823787533 | 0.13112988823787533 | 0.11471657272811592 | 0.1162717640721099 | 0.11577365878125424 | 0.12820047600511877 CUMUL 2017 (octobre 2016- mars 2017) | 0.10005682111780399 | 0.11915390128917487 | 0.13716175308118372 | 0.15565874153013878 | 0.11589632506924752 | 0.10924633528774226 | 0.11692873839398567 | 0.11328293428676499 | 0.11328293428676499 | 0.14464728745036554 | 0.23774258977077664 | 0.1999690446622151 | 0.11844266771787731 CUMUL 2016 (octobre 2015- mars 2016) | 0.10526377492849827 | 0.09810106875486002 | 0.1540161106201584 | 0.1654133217718451 | 0.1256063826409868 | 0.12780983411477867 | 0.12867090285802993 | 0.12280062091809413 | 0.12280062091809413 | 0.1426408220299191 | 0.12696315877545333 | 0.13233484755948344 | 0.1285310451705725 Rémunération moyenne des dépôts TRIM 2 2017 (janvier-mars 2017) | 0.005543049974235677 | 0.018792132359079856 | 0.028811605654501714 | 0.015962200753009737 | 0.012636356832706861 | 0.015262439649831393 | 0.013141655670970807 | 0.045713264114936834 | 0.045713264114936834 | 0.000354846050314353 | 0 | 0.00021885717786391894 | 0.013496325257513597 TRIM 2 2016 (janvier-mars 2016) | 0.005112842601815495 | 0.014026432144331927 | 0.022614124863215193 | 0.015829583976266163 | 0.014033847651031717 | 0.013358020083484773 | 0.01228123132493208 | 0.04327095067341572 | 0.04327095067341572 | 0.012911037562949734 | 0.004858118687677981 | 0.008379159222112183 | 0.013012078825395481 CUMUL 2017 (octobre 2016- mars 2017) | 0.005508018679002325 | 0.020976643727997634 | 0.02867929544274023 | 0.017565431002072075 | 0.013297639557189165 | 0.01755440604023919 | 0.014217051290969056 | 0.05282373515154667 | 0.05282373515154667 | 0.005508652748162295 | 0.008738174752647758 | 0.006735079905698583 | 0.014876567181294646 CUMUL 2016 (octobre 2015- mars 2016) | 0.005046357184934562 | 0.013650813262689661 | 0.022404763997266455 | 0.014963457489763913 | 0.013712656037753316 | 0.015257761014677145 | 0.012741730309180273 | 0.04337991665400563 | 0.04337991665400563 | 0.012878365485049555 | 0.004753881144401378 | 0.008489166101733977 | 0.013433732540654825 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2017 (janvier-mars 2017) | 0.5928719590592997 | 0.6993302701031483 | 0.7195441635236152 | 0.7330402449588237 | 0.7049782505827564 | 0.5108524576092318 | 0.6130582599912998 | 0.47672697608856446 | 0.47672697608856446 | 1.0603815780278147 | 0 | 1.0603815780278147 | 0.6158418021094347 TRIM 2 2016 (janvier-mars 2016) | 0.5424385233315692 | 1.0681728082844495 | 0.625641424857486 | 0.6545969158696077 | 0.5791869546116383 | 0.17451632070309883 | 0.33974620790089466 | 0.43473932596836007 | 0.43473932596836007 | 1.2381778873968514 | 0.8193742131225362 | 0.988565910544703 | 0.35747922190933257 CUMUL 2017 (octobre 2016- mars 2017) | 0.6185354179848418 | 0.7132669206378212 | 0.7421025019878225 | 0.705623015950299 | 0.7253896200545115 | 0.5906021613405381 | 0.6549682541241971 | 0.49133112162574855 | 0.49133112162574855 | 0.9622929956698176 | 1.175512732350301 | 1.091061261238413 | 0.6679498194740048 CUMUL 2016 (octobre 2015- mars 2016) | 0.5530457336337286 | 1.0892048317427572 | 0.6443840980864677 | 0.6348969520739726 | 0.5737197608088289 | 0.25096930699369896 | 0.41222462913643204 | 0.4634771309966342 | 0.4634771309966342 | 0.9911552249022751 | 0.7277869686048637 | 0.8432363996251803 | 0.4288481103814173 Productivité par employé ('000) TRIM 2 2017 (janvier-mars 2017) | 3808.055312154964 | 1361.3770200701756 | 4369.327040633662 | 2560.2285714285713 | 3040.718093999292 | 5204.70236844213 | 3729.821682155239 | 5505.267869650349 | 5505.267869650349 | 6636.057971014493 | 0 | 2916.484076433121 | 3743.3083553104634 TRIM 2 2016 (janvier-mars 2016) | 3837.2702184038867 | 856.8143980307692 | 4202.460879997635 | 2523.1414309484194 | 3113.3961605733343 | 12679.421565202703 | 5742.951827809654 | 5542.97764141844 | 5542.97764141844 | 7100.756756756757 | 4355.146067415731 | 5161.396825396825 | 5723.63409390636 CUMUL 2017 (octobre 2016- mars 2017) | 4056.1063011989795 | 1237.276174375 | 4216.560459532 | 2581.4673998428907 | 2857.3211874626863 | 4381.1288455475615 | 3469.755670066749 | 5174.62424 | 5174.62424 | 7038.704225352113 | 8373.582417582418 | 7788.543209876543 | 3571.2904321562055 CUMUL 2016 (octobre 2015- mars 2016) | 3899.3765012058825 | 792.2392324458203 | 4027.987020726037 | 2605.1849315068494 | 2866.822236271689 | 8871.75047500214 | 4626.284153684425 | 5029.189978028168 | 5029.189978028168 | 9002.108108108108 | 4849.477272727273 | 6078.656 | 4673.49889066889 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé.déc. 16 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 décembre 2016 | 0.0778081467695615 | -0.0014350529801539578 | 0.07665168306594922 | 0.08713499653350709 | 0.0739991390390464 | 0.12524162035736658 | 0.09256302354996905 | 0.07285360351294273 | 0.07285360351294273 | 0.06778467148897524 | 0.060022839944129526 | 0.0635329353512034 | 0.09065992070090896 Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.0778475628014552 | 0.07554863019553665 | 0.07416133737929038 | 0.06444567566828094 | 0.05693046483793471 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 31 décembre 2016 | 0.8179288443298289 | 0.8569966840179011 | 0.7558903915456049 | 0.8154750061356979 | 0.8373754836369536 | 0.8207875425297395 | 0.8213565733649011 | 0.7002624883115279 | 0.7002624883115279 | 0.7777128894577531 | 0.875620063009807 | 0.8313439771119031 | 0.8178939659129922 Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.807361058954389 | 0.7109068765144876 | 0.7415964005105095 | 0.7621981791567485 | 0.8802919302902742 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2016 | 0.048578308470682514 | 0.42615754766302366 | 0.007811976747086964 | 0.00878999413297487 | 0.033694114801771896 | 0.0004985618662191034 | 0.02875273405145443 | 0.125381829055661 | 0.125381829055661 | 0 | 0.0608757556549956 | 0.04634925139629393 | 0.034184763911252504 Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.03780035503263564 | 0.1040880136032887 | 0.06747514519877892 | 0.02138304931574691 | 0.06872014267058517 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2016 | 0.747191318790873 | 0.8058866763657341 | 0.975395635475628 | 0.9343769453849774 | 1.2283553405418597 | 20.92556172663765 | 1.0559256765339042 | 0.2064496036202033 | 0.2064496036202033 | 0 | 0.5438905940401725 | 0.5438905940401725 | 0.8765862840635527 Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 0.8631981462990274 | 0.19974725426153223 | 0.3540804752847749 | 0 | 0.5685748629475483 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2016 | 0.03414099034807677 | -23.585782803322637 | 0.0012412020999128816 | 0.0026920650106916463 | -0.0322365274054283 | -0.022068088336397146 | -0.005136084225934806 | 0.6345587634310909 | 0.6345587634310909 | 0 | 0.14485211013883337 | 0.07496258192387656 | 0.013868265106845318 Au 30 septembre 2016 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2017 (octobre. - décembre. 2016) | 0.018934885612906686 | 0.00801209836266386 | 0.011015214043403236 | 0.022059337695911733 | 0.008340899942155358 | 0.01681595464905405 | 0.014864957311618184 | 0.012733908899580565 | 0.012733908899580565 | 0.0039434334434850565 | 0.01225333721031873 | 0.00843783209437196 | 0.014508610273637715 TRIM 1 2016 (octobre. - décembre. 2015) | 0.022822203687716144 | -0.015224231021659346 | 0.020568590894752912 | 0.029876868522399996 | 0.01442655147068945 | 0.038310994846027215 | 0.025723169269629146 | 0.014751342995908348 | 0.014751342995908348 | 0.00920311715402431 | 0.012490726739668799 | 0.010810963209671866 | 0.02459526257857404 CUMUL 2017 (octobre - décembre 2016) | 0.018934885612906686 | 0.00801209836266386 | 0.011015214043403236 | 0.022059337695911733 | 0.008340899942155358 | 0.01681595464905405 | 0.014864957311618184 | 0.012733908899580565 | 0.012733908899580565 | 0.0039434334434850565 | 0.01225333721031873 | 0.00843783209437196 | 0.014508610273637715 CUMUL 2016 (octobre - décembre 2015) | 0.022822203687716144 | -0.015224231021659346 | 0.020568590894752912 | 0.029876868522399996 | 0.01442655147068945 | 0.038310994846027215 | 0.025723169269629146 | 0.014751342995908348 | 0.014751342995908348 | 0.00920311715402431 | 0.012490726739668799 | 0.010810963209671866 | 0.02459526257857404 ROE (rendement de l'avoir des actionn.) TRIM 1 2017 (octobre. - décembre. 2016) | 0.24957580832083764 | -3.2748844408966895 | 0.1402278790807287 | 0.2503309046237874 | 0.11211423040109189 | 0.13340699622081545 | 0.16052717461950636 | 0.17172833033624013 | 0.17172833033624013 | 0.059681082527912564 | 0.20952224563615432 | 0.1361631778208532 | 0.16006853692302708 TRIM 1 2016 (octobre. - décembre. 2015) | 0.30651896100651443 | -0.7832664717896494 | 0.33593548664730355 | 0.3288334496545986 | 0.1953754354755805 | 0.42180786626083083 | 0.3221943077691422 | 0.19057366414755803 | 0.19057366414755803 | 0.11834592756946247 | 0.24092167367016507 | 0.16609620945828438 | 0.31136787651998454 CUMUL 2017 (octobre - décembre 2016) | 0.24957580832083764 | -3.2748844408966895 | 0.1402278790807287 | 0.2503309046237874 | 0.11211423040109189 | 0.13340699622081545 | 0.16052717461950636 | 0.17172833033624013 | 0.17172833033624013 | 0.059681082527912564 | 0.20952224563615432 | 0.1361631778208532 | 0.16006853692302708 CUMUL 2016 (octobre - décembre 2015) | 0.30651896100651443 | -0.7832664717896494 | 0.33593548664730355 | 0.3288334496545986 | 0.1953754354755805 | 0.42180786626083083 | 0.3221943077691422 | 0.19057366414755803 | 0.19057366414755803 | 0.11834592756946247 | 0.24092167367016507 | 0.16609620945828438 | 0.31136787651998454 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2017 (octobre. - décembre. 2016) | 0.900956530115805 | 0.6621502185440028 | 0.6863470160513077 | 0.7665466728445665 | 0.7355293580080692 | 0.5125476792527465 | 0.7128349550641802 | 0.4681491589526141 | 0.4681491589526141 | 0.6578891314766494 | 0.8849936617563492 | 0.8046690335157125 | 0.7041671441964007 TRIM 1 2016 (octobre. - décembre. 2015) | 0.906795313050613 | 0.6230288187499936 | 0.762158850562841 | 0.8214804293553735 | 0.7648922650050014 | 0.6625458338350108 | 0.7675687342571 | 0.5232227749677519 | 0.762158850562841 | 0.7574626865671642 | 0.9161060829902896 | 0.8413207475643504 | 0.7598334290407656 CUMUL 2017 (octobre - décembre 2016) | 0.900956530115805 | 0.6621502185440028 | 0.6863470160513077 | 0.7665466728445665 | 0.7355293580080692 | 0.5125476792527465 | 0.7128349550641802 | 0.4681491589526141 | 0.4681491589526141 | 0.6578891314766494 | 0.8849936617563492 | 0.8046690335157125 | 0.7041671441964007 CUMUL 2016 (octobre - décembre 2015) | 0.906795313050613 | 0.6230288187499936 | 0.762158850562841 | 0.8214804293553735 | 0.7648922650050014 | 0.6625458338350108 | 0.7675687342571 | 0.5232227749677519 | 0.5232227749677519 | 0.7574626865671642 | 0.9161060829902896 | 0.8413207475643504 | 0.7598334290407656 Rendement moyen des prêts TRIM 1 2017 (octobre. - décembre. 2016) | 0.09831105377298689 | 0.06977858194288665 | 0.13830843325353867 | 0.15577697625693093 | 0.11546078856908241 | 0.11406345860553206 | 0.1170436631034873 | 0.20248345714665372 | 0.1007959323575557 | 0.15661437327884872 | 0.12561748600119524 | 0.13338461976807134 | 0.11677401633162962 TRIM 1 2016 (octobre. - décembre. 2015) | 0.0945463429090413 | 0.05340285989258988 | 0.145627836690695 | 0.1650945753875201 | 0.11999911590516806 | 0.1257221539121738 | 0.12214916383112724 | 0.10598067226052998 | 0.10598067226052998 | 0.16440933989524117 | 0.12542865350977675 | 0.1388829809796744 | 0.12208111705776822 CUMUL 2017 (octobre - décembre 2016) | 0.09831105377298689 | 0.06977858194288665 | 0.13830843325353867 | 0.15577697625693093 | 0.11546078856908241 | 0.11406345860553206 | 0.1170436631034873 | 0.1007959323575557 | 0.1007959323575557 | 0.15661437327884872 | 0.12561748600119524 | 0.13338461976807134 | 0.11677401633162962 CUMUL 2016 (octobre - décembre 2015) | 0.0945463429090413 | 0.05340285989258988 | 0.145627836690695 | 0.1650945753875201 | 0.11999911590516806 | 0.1257221539121738 | 0.12214916383112724 | 0.10598067226052998 | 0.10598067226052998 | 0.16440933989524117 | 0.12542865350977675 | 0.1388829809796744 | 0.12208111705776822 Rendement moyen des prêts productifs TRIM 1 2017 (octobre. - décembre. 2016) | 0.10312161151915987 | 0.11658060607371488 | 0.13933513510443551 | 0.1573943928932084 | 0.11943330429261999 | 0.11448933855634616 | 0.1205481336228177 | 0.11386563523569672 | 0.11386563523569672 | 0.15661437327884872 | 0.13431858563124893 | 0.14019048075371773 | 0.12089265849388386 TRIM 1 2016 (octobre. - décembre. 2015) | 0.10246729904300228 | 0.0915871793341113 | 0.14961554896920237 | 0.16701806612197082 | 0.12670391356502927 | 0.12647954457833743 | 0.1275374019732507 | 0.1151878491727763 | 0.1151878491727763 | 0.16440933989524117 | 0.132538355533375 | 0.14393922916891297 | 0.12768738039331792 CUMUL 2017 (octobre - décembre 2016) | 0.10312161151915987 | 0.11658060607371488 | 0.13933513510443551 | 0.1573943928932084 | 0.11943330429261999 | 0.11448933855634616 | 0.1205481336228177 | 0.11386563523569672 | 0.11386563523569672 | 0.15661437327884872 | 0.13431858563124893 | 0.14019048075371773 | 0.12089265849388386 CUMUL 2016 (octobre - décembre 2015) | 0.10246729904300228 | 0.0915871793341113 | 0.14961554896920237 | 0.16701806612197082 | 0.12670391356502927 | 0.12647954457833743 | 0.1275374019732507 | 0.1151878491727763 | 0.1151878491727763 | 0.16440933989524117 | 0.132538355533375 | 0.14393922916891297 | 0.12768738039331792 Rémunération moyenne des dépôts TRIM 1 2017 (octobre. - décembre. 2016) | 0.005501087042935991 | 0.023017826366998985 | 0.029192960650758125 | 0.01963368195608425 | 0.013826161369309553 | 0.020785553043365636 | 0.015563694069234277 | 0.05143347414162695 | 0.05143347414162695 | 0.01169162419876853 | 0.005345891290051007 | 0.008053729191220398 | 0.0162025659053089 TRIM 1 2016 (octobre. - décembre. 2015) | 0.004991950484526423 | 0.01330249835057297 | 0.02208595397749849 | 0.01498564882755548 | 0.01348775829357393 | 0.016422610269651937 | 0.013086983528813616 | 0.043656756844224286 | 0.043656756844224286 | 0.013799894213012531 | 0.0045816749256990625 | 0.008833152070263422 | 0.013761748461435607 CUMUL 2017 (octobre - décembre 2016) | 0.005501087042935991 | 0.023017826366998985 | 0.029192960650758125 | 0.01963368195608425 | 0.013826161369309553 | 0.020785553043365636 | 0.015563694069234277 | 0.05143347414162695 | 0.05143347414162695 | 0.01169162419876853 | 0.005345891290051007 | 0.008053729191220398 | 0.0162025659053089 CUMUL 2016 (octobre - décembre 2015) | 0.004991950484526423 | 0.01330249835057297 | 0.02208595397749849 | 0.01498564882755548 | 0.01348775829357393 | 0.016422610269651937 | 0.013086983528813616 | 0.043656756844224286 | 0.043656756844224286 | 0.013799894213012531 | 0.0045816749256990625 | 0.008833152070263422 | 0.013761748461435607 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2017 (octobre. - décembre. 2016) | 0.6436474709812053 | 0.7266558613884487 | 0.7675051215060326 | 0.6777126856048046 | 0.7487601413054535 | 0.706703352425296 | 0.7046905643367471 | 0.5081807306231958 | 0.5081807306231958 | 0.8793666267854241 | 0.8239523058039628 | 0.8459745824895072 | 0.706606153783746 TRIM 1 2016 (octobre. - décembre. 2015) | 0.5645988110995682 | 1.1143061040715634 | 0.6668675845993117 | 0.6153265620577969 | 0.5673456552905474 | 0.45159445093601125 | 0.5362270995616878 | 0.4982061691134168 | 0.4982061691134168 | 0.8302844621592949 | 0.6515904700579523 | 0.734516776176541 | 0.5464134906061087 CUMUL 2017 (octobre - décembre 2016) | 0.6436474709812053 | 0.7266558613884487 | 0.7675051215060326 | 0.6777126856048046 | 0.7487601413054535 | 0.706703352425296 | 0.7046905643367471 | 0.5081807306231958 | 0.5081807306231958 | 0.8793666267854241 | 0.8239523058039628 | 0.8459745824895072 | 0.706606153783746 CUMUL 2016 (octobre - décembre 2015) | 0.5645988110995682 | 1.1143061040715634 | 0.6668675845993117 | 0.6153265620577969 | 0.5673456552905474 | 0.45159445093601125 | 0.5362270995616878 | 0.4982061691134168 | 0.4982061691134168 | 0.8302844621592949 | 0.6515904700579523 | 0.734516776176541 | 0.5464134906061087 Productivité par employé ('000) TRIM 1 2017 (octobre. - décembre. 2016) | 4094.9312005605093 | 1242.6593873230768 | 3990.7364124187698 | 2576.6772151898736 | 2663.2527402060387 | 3696.4914820372674 | 3206.459601020001 | 4908.920710791368 | 4908.920710791368 | 7522.333333333333 | 4587.888268156425 | 5429.641434262948 | 3292.183520588739 TRIM 1 2016 (octobre. - décembre. 2015) | 3825.7706846721926 | 729.1308274999999 | 3696.093058348624 | 2604.8600682593856 | 2624.489349539732 | 4887.523047313114 | 3415.9231012198047 | 4586.7383426950355 | 4586.7383426950355 | 10616.526315789473 | 5234.831460674157 | 6845.102362204724 | 3532.3646028311978 CUMUL 2017 (octobre - décembre 2016) | 4094.9312005605093 | 1242.6593873230768 | 3990.7364124187698 | 2576.6772151898736 | 2663.2527402060387 | 3696.4914820372674 | 3206.459601020001 | 4908.920710791368 | 4908.920710791368 | 7522.333333333333 | 4587.888268156425 | 5429.641434262948 | 3292.183520588739 CUMUL 2016 (octobre - décembre 2015) | 3825.7706846721926 | 729.1308274999999 | 3696.093058348624 | 2604.8600682593856 | 2624.489349539732 | 4887.523047313114 | 3415.9231012198047 | 4586.7383426950355 | 4586.7383426950355 | 10616.526315789473 | 5234.831460674157 | 6845.102362204724 | 3532.3646028311978 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé.sept. 16] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 septembre 2016 | 0.07390699133694753 | -0.0035120882454590645 | 0.08068535399078378 | 0.08918204290614944 | 0.07480796343900603 | 0.1268962127968219 | 0.09264028791412363 | 0.07554863019553665 | 0.07554863019553665 | 0.06444567566828094 | 0.05693046483793471 | 0.06043220452290159 | 0.0906192688286851 Au 30 septembre 2015 | 0.07311273478667339 | 0.022106575250711222 | 0.06336105060809091 | 0.08911142793390697 | 0.07203573866007543 | 0.08729278529419134 | 0.0778475628014552 | 0.07416133737929038 | 0.07416133737929038 | 0.07617158669023051 | 0.0522375539803038 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 30 septembre 2016 | 0.8131682224224409 | 0.9063649697166052 | 0.7444451750451215 | 0.8375633076108682 | 0.8264458082038015 | 0.8149065616153549 | 0.8170382553634135 | 0.7109068765144876 | 0.7109068765144876 | 0.7621981791567485 | 0.8802919302902742 | 0.825265719552309 | 0.8141191051278704 Au 30 septembre 2015 | 0.7866143422427879 | 0.8656070315761414 | 0.8040688805504217 | 0.8476169259116534 | 0.8096830249836857 | 0.8090800159392417 | 0.807361058954389 | 0.7415964005105095 | 0.7415964005105095 | 0.7514868125234071 | 0.8767457712332675 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2016 | 0.0446256355859159 | 0.37719075218008336 | 0.006869572485882122 | 0.011824286281881643 | 0.032819462577018274 | 0.006941060232691702 | 0.02939865585618658 | 0.1040880136032887 | 0.1040880136032887 | 0 | 0.06872014267058517 | 0.050697034468474234 | 0.03394940216672454 Au 30 septembre 2015 | 0.06943674388907971 | 0.39744535391982855 | 0.015435212022437708 | 0.006285618990994649 | 0.04850181662821433 | 0.004510084115484565 | 0.03780035503263564 | 0.06747514519877892 | 0.06747514519877892 | 0.0003530517210407771 | 0.05685393797081728 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2016 | 0.8404080961577574 | 0.8843723128116995 | 1.204542636794695 | 0.6269237552172124 | 1.253213939942088 | 1.4509082676359661 | 1.036109278122458 | 0.19974725426153223 | 0.19974725426153223 | 0 | 0.5685748629475483 | 0.5685748629475483 | 0.8810163174056982 Au 30 septembre 2015 | 0.56491289338209 | 0.9454014690403388 | 1.325036371586142 | 1.3248644595685777 | 0.8812932065444768 | 1.9699112006201913 | 0.8631981462990274 | 0.3540804752847749 | 0.3540804752847749 | 0 | 0.68622554464597 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2016 | 0.020086764726991935 | -5.448785091579863 | -0.008596697155750272 | 0.020792761718043545 | -0.03493361736482914 | -0.007182810489663147 | -0.0034287634969076973 | 0.5466429004007477 | 0.5466429004007477 | 0 | 0.16272682481943118 | 0.08186804493433891 | 0.013459872248919563 Au 30 septembre 2015 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 201 6 (juil. - sept. 2016) | 0.01357917021322789 | -0.010144683049198074 | 0.011009093567073176 | 0.01630822825992434 | 0.014322806666009668 | 0.0532375191524521 | 0.02718271162079874 | 0.018885212448790854 | 0.018885212448790854 | 0.001751881958331591 | 0.012696554617847449 | 0.007664774293832385 | 0.025981825416948073 TRIM 4 2015 (juil. - sept. 2015) | 0.0010133401004609828 | -0.007856159837074267 | 0.02613730555887643 | 0.030499657967242154 | 0.016207598115097057 | 0.026014222793085483 | 0.0170033272152115 | 0.01570795417872854 | 0.01570795417872854 | 0.01045884704083644 | 0.011622902431853703 | 0.011861159491614861 | 0.020832510000493343 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.019529060226210284 | -0.014990865276120102 | 0.01744300692167167 | 0.023824430796300346 | 0.015564538256984568 | 0.06614101829095291 | 0.0344320721022208 | 0.016960648235968614 | 0.016960648235968614 | -0.0021418922549968364 | 0.010548444886662215 | 0.004287635487077266 | 0.03240628733053552 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.01110359024559657 | -0.008499648430098653 | 0.02085421321318172 | 0.029350489047277058 | 0.01002449969514398 | 0.027227373992676173 | 0.01767301994501408 | 0.014550658097473202 | 0.014550658097473202 | 0.01381854834068994 | 0.008638096021353353 | 0.011408366491358422 | 0.02032082022176322 ROE (rendement de l'avoir des actionn.) TRIM 4 201 6 (juil. - sept. 2016) | 0.1786516827563843 | 4.414968112842477 | 0.15549366177139204 | 0.18474987597709933 | 0.19203370591967966 | 0.42776818311468073 | 0.296297095185858 | 0.2538621953059445 | 0.2538621953059445 | 0.02658732339448941 | 0.22846300792239466 | 0.12707405370275088 | 0.28971330206087686 TRIM 4 2015 (juil. - sept. 2015) | 0.014026744792161946 | -0.34237950511861115 | 0.42935148259592 | 0.3442686061941322 | 0.2267651356750947 | 0.29564529386162663 | 0.2194585083270544 | 0.21430252171971792 | 0.21430252171971792 | 0.1789871742972522 | 0.23342961893511827 | 0.19996542037042286 | 0.2729984742163205 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.26549605001192456 | -1.848055842937219 | 0.23562061642520515 | 0.2672395978336055 | 0.21161221850485226 | 0.608435043921886 | 0.4003915766227895 | 0.22638851768650495 | 0.22638851768650495 | -0.030407044828678585 | 0.19249911632700958 | 0.0685856807705271 | 0.3835190142286141 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.15723599599719898 | -0.26456275726575923 | 0.3615769608375321 | 0.33786765774630395 | 0.1388503826539854 | 0.30404361695885007 | 0.22718373819889298 | 0.18705952739072113 | 0.18705952739072113 | 0.218444446306335 | 0.18415204049069728 | 0.20499683148060432 | 0.2656959787560942 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 201 6 (juil. - sept. 2016) | 0.9088997312279506 | 0.6670901881675468 | 0.7129648772373909 | 0.7228366280919363 | 0.7249191460047677 | 0.6291376525070017 | 0.7432042138528369 | 0.5513729783490157 | 0.5513729783490157 | 0.5912408759124088 | 0.8994449755683025 | 0.7899300651412821 | 0.7352883466718235 TRIM 4 2015 (juil. - sept. 2015) | 0.8943027681155826 | 0.6504700303414029 | 0.8243558991764145 | 0.8562953995157385 | 0.8214027767675842 | 0.7523195347299467 | 0.8162453203812363 | 0.6522463253111943 | 0.8243558991764145 | 0.7169677408452608 | 0.952910587895421 | 0.8379786638569688 | 0.8097322438844055 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.9143506643184073 | 0.6573058064314096 | 0.7449085998425536 | 0.7757136292247017 | 0.7384321497851011 | 0.66949993362236 | 0.7620093641485891 | 0.5260544202341622 | 0.5260544202341622 | 0.6590478136957681 | 0.9007887696143022 | 0.8061886681788796 | 0.7518670085025657 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.9055259117474963 | 0.7487801023801958 | 0.8570382857573255 | 0.8846842975361869 | 0.839938467821129 | 0.8151533594246186 | 0.8513024682934848 | 0.6569155634066655 | 0.6569155634066655 | 0.805840894320821 | 0.9797062610769793 | 0.895316366552881 | 0.8444114776650408 Rendement moyen des prêts TRIM 4 201 6 (juil. - sept. 2016) | 0.11018945358319393 | 0.07994753044498167 | 0.13887951370301477 | 0.1565428027985789 | 0.11499774686806219 | 0.1162745366058481 | 0.11978142395216886 | 0.11400102351468751 | 0.11400102351468751 | 0.14699635151478196 | 0.13533173109235908 | 0.13830482951675474 | 0.12015361160040354 TRIM 4 2015 (juil. - sept. 2015) | 0.09855161484643836 | 0.06009460021270629 | 0.14531043527729448 | 0.1634843536935525 | 0.09819549256953528 | 0.1276218036384814 | 0.11625989848830875 | 0.10433657026275509 | 0.10433657026275509 | 0.11655963869646094 | 0.11219825272654599 | 0.11390238604257702 | 0.11553058044475341 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.09633592835005592 | 0.06146693783202019 | 0.14585129355671123 | 0.15802953367459835 | 0.1165599849408993 | 0.12091848658212812 | 0.11949368001140762 | 0.11429602531156825 | 0.11429602531156825 | 0.12860638622540582 | 0.12596896452166792 | 0.12680791691442875 | 0.11952648983663465 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.0854000422996563 | 0.0690009340555091 | 0.1296367777891094 | 0.14666681745336588 | 0.08533805201672334 | 0.10387924547221736 | 0.09907984845725049 | 0.09600234926819691 | 0.09600234926819691 | 0.10876643157954177 | 0.09405662694680221 | 0.09963286868151143 | 0.09895570708918694 Rendement moyen des prêts productifs TRIM 4 201 6 (juil. - sept. 2016) | 0.11817454887478364 | 0.12994217015999968 | 0.13989669151096742 | 0.15863256012769167 | 0.12025120591872503 | 0.11714964345245969 | 0.12441504423654709 | 0.1265345736833658 | 0.1265345736833658 | 0.14699635151478196 | 0.14458104581134948 | 0.1452274768918207 | 0.12527328403943144 TRIM 4 2015 (juil. - sept. 2015) | 0.10550596345670098 | 0.09744156137508202 | 0.14594631459683716 | 0.16481164587613387 | 0.10318549421519012 | 0.12811348760966673 | 0.12074038182178845 | 0.11430075202807238 | 0.11430075202807238 | 0.11739584114256485 | 0.11926939628171772 | 0.1185131301501236 | 0.12031430646094197 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.10202761183967712 | 0.10012672542382962 | 0.1473249912107327 | 0.15953236774373156 | 0.12144614872788519 | 0.12162364539119629 | 0.12360103468545577 | 0.1251884086558649 | 0.1251884086558649 | 0.12860638622540582 | 0.13439307623958416 | 0.13247016312085885 | 0.12404153454218945 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.09052298009154569 | 0.11230104534300293 | 0.13199479411025508 | 0.14756336380898757 | 0.0886412985887333 | 0.10414954572948672 | 0.10234835405177764 | 0.10431543954003061 | 0.10431543954003061 | 0.1087870835078181 | 0.10023632250565184 | 0.10360640852908441 | 0.10250489500969355 Rémunération moyenne des dépôts TRIM 4 201 6 (juil. - sept. 2016) | 0.005425908473680794 | 0.020287397202389444 | 0.027305560900669976 | 0.023027790359969092 | 0.014382620753842069 | 0.01628634138898156 | 0.014225843355463315 | 0.04632200559215955 | 0.04632200559215955 | 0.015405826122444902 | 0.005095213994109857 | 0.009483717817562383 | 0.014883118125419821 TRIM 4 2015 (juil. - sept. 2015) | 0.005254923366426701 | 0.014191493222792137 | 0.01508299444476527 | 0.012035450087303601 | 0.008936191356393328 | 0.012340308631497189 | 0.009829716073457218 | 0.0302931498389757 | 0.0302931498389757 | 0.012925400072251512 | 0.0023393018152810664 | 0.007718699424832777 | 0.010298554720301079 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.004712985163678976 | 0.01615293422044827 | 0.023940048805936875 | 0.018463017032424905 | 0.014490003478511261 | 0.015445704433420197 | 0.013260407962321348 | 0.04825146953623522 | 0.04825146953623522 | 0.013265786558804471 | 0.005034994051497499 | 0.008789133339888804 | 0.01401804110283661 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.004334308903018387 | 0.010272550317016576 | 0.010967229300165643 | 0.008871019132083869 | 0.007350691862049117 | 0.008296668635488808 | 0.007247797550127812 | 0.02851564938584206 | 0.02851564938584206 | 0.007605083447735179 | 0.0008609572227628543 | 0.004268967381254107 | 0.007657583666099035 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 201 6 (juil. - sept. 2016) | 0.6770912705730295 | 1.0806112874095015 | 0.8332054795866007 | 0.7578729611049446 | 0.6995594773445958 | 0.3782329418548628 | 0.5904986440686749 | 0.6155693220939157 | 0.6155693220939157 | 0.9366464729438341 | 0.8102603341167041 | 0.8541636942978076 | 0.6008509737828742 TRIM 4 2015 (juil. - sept. 2015) | 0.8800508175776631 | 0.9477422658245843 | 0.5522567733120629 | 0.6354979492970743 | 0.5107627361351328 | 0.4954524862876954 | 0.5923274445950876 | 0.5009314662153207 | 0.5009314662153207 | 0.7490805608342551 | 0.7148427929767251 | 0.7326180110047071 | 0.5980370844962793 CUMUL 2016 (octobre 2015 - sept. 2016) | 0.5913411826168897 | 1.118898252521943 | 0.7253859185085992 | 0.6752080410433678 | 0.6230409619146867 | 0.3281101295659893 | 0.49759013671977587 | 0.5139899591332413 | 0.5139899591332413 | 1.0633732637111362 | 0.7879742780532948 | 0.9009224007614355 | 0.5131372781157897 CUMUL 2015 (octobre 2014 - sept. 2015) | 0.6856136647427727 | 0.9200078533327017 | 0.6353475633230857 | 0.6218392164985058 | 0.6409289433457857 | 0.5043522634156501 | 0.5993136998081318 | 0.5135573005486339 | 0.5135573005486339 | 0.6637767459866694 | 0.779948987372431 | 0.7172129794678814 | 0.6039584532746723 Productivité par employé ('000) TRIM 4 201 6 (juil. - sept. 2016) | 4510.701592151556 | 1208.9907112643677 | 4306.34030550107 | 2526.97004048583 | 3128.8255387149447 | 5407.901844163196 | 3889.782729025032 | 5540.92285142857 | 5540.92285142857 | 6403.726027397261 | 4852.2430939226515 | 5298.141732283465 | 3954.1907793328232 TRIM 4 2015 (juil. - sept. 2015) | 3827.7488566608417 | 861.6616226415097 | 4374.249747064675 | 2662.85 | 2665.013720082192 | 4064.2337249804764 | 3241.696708742912 | 4767.653417872341 | 4767.653417872341 | 11282.24 | 4503.908045977011 | 6545.574297188755 | 3360.7953334285053 CUMUL 2016 (octobre 2015 - sept. 2016) | 4248.7397139385075 | 924.0659584070797 | 4019.023697366072 | 2582.7159663865546 | 2941.9717203651107 | 6870.057843196617 | 4159.868845802437 | 5119.021304857143 | 5119.021304857143 | 7813.6 | 4708.715083798883 | 5625.511811023622 | 4216.334641971632 CUMUL 2015 (octobre 2014 - sept. 2015) | 3242.9347772723004 | 905.1859108280255 | 3230.573763258145 | 2457.9636363636364 | 2282.5178260781895 | 3878.687916746242 | 2884.371991947998 | 4320.785065507246 | 4320.785065507246 | 11059.971830985916 | 3757.6067415730336 | 5839.807228915663 | 2992.288856337569 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé.juin 16 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 juin 2016 | 0.07834341018193547 | -0.001045723688698385 | 0.05915524135064286 | 0.08733849224748404 | 0.07435069885328488 | 0.12184597353505415 | 0.09077594326238961 | 0.07320952021442328 | 0.07320952021442328 | 0.06736189417182581 | 0.054261211536027025 | 0.06020372381027948 | 0.08867911246714529 Au 30 septembre 2015 | 0.07311273478667339 | 0.022106575250711222 | 0.06336105060809091 | 0.08911142793390697 | 0.07203573866007543 | 0.08729278529419134 | 0.0778475628014552 | 0.07416133737929038 | 0.07416133737929038 | 0.07617158669023051 | 0.0522375539803038 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 30 juin 2016 | 0.8209789369163588 | 0.9015334449677304 | 0.781153494040789 | 0.8280446192212146 | 0.8269077659208199 | 0.8200758255233306 | 0.8222664204873807 | 0.7073897715101313 | 0.7073897715101313 | 0.7570704115636707 | 0.8646962253553494 | 0.8158768059965609 | 0.8182133023353855 Au 30 septembre 2015 | 0.7866143422427879 | 0.8656070315761414 | 0.8040688805504217 | 0.8476169259116534 | 0.8096830249836857 | 0.8090800159392417 | 0.807361058954389 | 0.7415964005105095 | 0.7415964005105095 | 0.7514868125234071 | 0.8767457712332675 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 juin 2016 | 0.09124946777754306 | 0.39279377491266887 | 0.00771304469629072 | 0.014648536635626618 | 0.05523719180795568 | 0.008049749114622319 | 0.04567192030163342 | 0.09397845736650523 | 0.09397845736650523 | 0 | 0.05949591412570847 | 0.044754139846015784 | 0.048246837169078204 Au 30 septembre 2015 | 0.06943674388907971 | 0.39744535391982855 | 0.015435212022437708 | 0.006285618990994649 | 0.04850181662821433 | 0.004510084115484565 | 0.03780035503263564 | 0.06747514519877892 | 0.06747514519877892 | 0.0003530517210407771 | 0.05685393797081728 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 juin 2016 | 0.39328725575053414 | 0.8963981357880423 | 1.3199498845402609 | 0.561581874014441 | 0.8832473187705259 | 1.7823119895457797 | 0.7634580808676797 | 0.25858437314382177 | 0.25858437314382177 | 0 | 0.6842659036545856 | 0.6842659036545856 | 0.7074974297778435 Au 30 septembre 2015 | 0.56491289338209 | 0.9454014690403388 | 1.325036371586142 | 1.3248644595685777 | 0.8812932065444768 | 1.9699112006201913 | 0.8631981462990274 | 0.3540804752847749 | 0.3540804752847749 | 0 | 0.68622554464597 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 juin 2016 | 0.1584875663381195 | -16.52558500773897 | -0.022025108743532695 | 0.0290005846781388 | 0.026937481536661027 | -0.014665875568931341 | 0.03559756198901868 | 0.47844368869996 | 0.47844368869996 | 0 | 0.11096272688819662 | 0.054645116578257505 | 0.04812707494013326 Au 30 septembre 2015 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 3 2016 (avril - juin 2016) | 0.019911545014999327 | -0.02063591790293716 | 0.015339621331204208 | 0.0229429049102063 | 0.014798529592930699 | 0.02453331198642385 | 0.01940820317964486 | 0.013277654846450724 | 0.013277654846450724 | -0.011173411267785907 | 0.009105410782358542 | -0.0003918495410553343 | 0.01821682530186565 TRIM 3 2015 (avril - juin 2015) | 0.012328881527276653 | -0.01205452990507717 | 0.021436017821188064 | 0.03523018096904681 | 0.011048381304304295 | 0.03468133984241589 | 0.02133133612917753 | 0.013624669860024684 | 0.013624669860024684 | 0.01614367196226784 | -0.0032902688034592434 | 0.007906427946751202 | 0.020216931524399316 CUMUL 2016 (octobre 2015 - juin 2016) | 0.022477441615451482 | -0.016622975511305014 | 0.02103870618716056 | 0.026248675726797777 | 0.01606775159678749 | 0.07209049599940802 | 0.03770358005114629 | 0.016001923014604267 | 0.016001923014604267 | -0.0034498343331314523 | 0.009201384165931548 | 0.0030429524924592763 | 0.03523623678118958 CUMUL 2015 (octobre 2014 - mars 2015) | 0.0143193355882906 | -0.008635477153232375 | 0.018171870437580083 | 0.029660620594062773 | 0.0079641875355049 | 0.02835030549173329 | 0.018038236512824466 | 0.01391407675248193 | 0.01391407675248193 | 0.01293357050111722 | 0.007521228066271483 | 0.010528501598488775 | 0.017430639797639657 ROE (rendement de l'avoir des actionn.) TRIM 3 2016 (avril - juin 2016) | 0.2542310750395305 | -13.5780622457336 | 0.25423236763972035 | 0.2705324976978403 | 0.20251114771001666 | 0.19317294129383694 | 0.21081495913324563 | 0.18449633431881354 | 0.18449633431881354 | -0.15673788322941518 | 0.16462566063684775 | -0.006240380429663563 | 0.20254545206358493 TRIM 3 2015 (avril - juin 2015) | 0.1714384859992877 | -0.4768217643541334 | 0.40177779916661116 | 0.42126100473735323 | 0.15468270389345798 | 0.36721806252153427 | 0.2686501155017839 | 0.1873714852602034 | 0.1873714852602034 | 0.2928915938698298 | -0.06677064213694348 | 0.15019107842318732 | 0.26101168810991415 CUMUL 2016 (octobre 2015 - juin 2016) | 0.2961377240066761 | -1.7252626497284809 | 0.34525407628134047 | 0.2977654568409157 | 0.21928238112032564 | 0.6839046488731917 | 0.44493381128783877 | 0.21727860242280306 | 0.21727860242280306 | -0.04797924461751013 | 0.1724463882294498 | 0.04877680650228625 | 0.42330142448204167 CUMUL 2015 (octobre 2014 - mars 2015) | 0.20530826100660723 | -0.2624512335935533 | 0.3214387830641432 | 0.34402629965325143 | 0.11122426428133957 | 0.31349755447253275 | 0.2330725964033581 | 0.18096410683792427 | 0.18096410683792427 | 0.23182516761259306 | 0.1667823991042028 | 0.20628724195137682 | 0.23030042727203778 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2016 (avril - juin 2016) | 0.9332635993951712 | 0.662300155287165 | 0.7413061463859962 | 0.7644662243127717 | 0.7277559959814078 | 0.6603661141659318 | 0.7591945386711655 | 0.4594464118233303 | 0.4594464118233303 | 0.5764086174242424 | 0.8951325740855184 | 0.789285924877646 | 0.7449032862656447 TRIM 3 2015 (avril - juin 2015) | 0.8981937078895286 | 0.6945201201995302 | 0.8673618738700795 | 0.8869406063594724 | 0.8540707497551043 | 0.7956117446483476 | 0.8472147610420905 | 0.6476959858108731 | 0.8673618738700795 | 0.8452264098527641 | 0.9884074707410779 | 0.910334868314752 | 0.8407020236940944 CUMUL 2016 (octobre 2015 - juin 2016) | 0.9166109630114884 | 0.6519413185620322 | 0.7577193294949203 | 0.7952468746564428 | 0.743044164085532 | 0.6827768851366872 | 0.7688462289789834 | 0.5167919970824469 | 0.5167919970824469 | 0.6799548395243294 | 0.9012982044609104 | 0.8118875453808995 | 0.757887610383223 CUMUL 2015 (octobre 2014 -juin 2015) | 0.9098822477103594 | 0.7803797498452187 | 0.8733467435028519 | 0.8957931741997034 | 0.8472851707927112 | 0.8416899619770719 | 0.8655420799894034 | 0.6588047384838396 | 0.6588047384838396 | 0.8435902957220787 | 0.9909754846373994 | 0.9195469471809429 | 0.8585227746803032 Rendement moyen des prêts TRIM 3 2016 (avril - juin 2016) | 0.09337066200819989 | 0.06121460351828856 | 0.14200864415727035 | 0.15854155336570794 | 0.12221106007134766 | 0.12182779491025064 | 0.12103802005960006 | 0.1076550916621657 | 0.1076550916621657 | 0.12502378426644348 | 0.12106177534443686 | 0.12212464046276986 | 0.12035520383847599 TRIM 3 2015 (avril - juin 2015) | 0.09895005952823792 | 0.0734595619158154 | 0.12513090978981398 | 0.13991041796711745 | 0.08877697051306511 | 0.09996211237143958 | 0.10048767151626906 | 0.09636890651694886 | 0.09636890651694886 | 0.0952119841287974 | 0.08065281500667038 | 0.08674559792968108 | 0.0995552035849958 CUMUL 2016 (octobre 2015 - juin 2016) | 0.09019646999718021 | 0.054926100101777175 | 0.14706060977351473 | 0.16196937277307707 | 0.11991728873343777 | 0.12790082525858557 | 0.12199575318849559 | 0.11245431287159298 | 0.11245431287159298 | 0.13601282994752154 | 0.11879360608705153 | 0.1241382018862278 | 0.1215808923904879 CUMUL 2015 (octobre 2014 - mars 2015) | 0.08360853985191384 | 0.06898620201052245 | 0.11762545538941442 | 0.13763966233264882 | 0.07903803291603884 | 0.09304249738791633 | 0.09154604290634555 | 0.09230828279900066 | 0.09230828279900066 | 0.09342024196026005 | 0.087485782593706 | 0.08988112921348516 | 0.09149517845301007 Rendement moyen des prêts productifs TRIM 3 2016 (avril - juin 2016) | 0.10276715044855231 | 0.1062237818120657 | 0.14277480207451584 | 0.16076959336074356 | 0.12909376550652923 | 0.1229880041871539 | 0.12671820829602004 | 0.11744143925513033 | 0.11744143925513033 | 0.12502378426644348 | 0.12914877074765363 | 0.12798904649279208 | 0.1262847570465996 TRIM 3 2015 (avril - juin 2015) | 0.10373652540239349 | 0.11522315931098107 | 0.1280777439196289 | 0.1411626336649315 | 0.09268146171019342 | 0.10042930991170301 | 0.10378287670246526 | 0.10301931439100138 | 0.10301931439100138 | 0.09612153969761157 | 0.08475695226877906 | 0.08962417725619391 | 0.1029954774156862 CUMUL 2016 (octobre 2015 - juin 2016) | 0.09817492340715712 | 0.09077413657125592 | 0.14865319683593278 | 0.163743487642064 | 0.1264884645477433 | 0.12871224350870966 | 0.12733636917567073 | 0.12244117324936489 | 0.12244117324936489 | 0.13601282994752154 | 0.1261333431373118 | 0.12932798923761532 | 0.12717283757705236 CUMUL 2015 (octobre 2014 - mars 2015) | 0.08830658232474725 | 0.1099098983380921 | 0.12050088604860948 | 0.13872975314938277 | 0.08209979422982001 | 0.0932263490538649 | 0.09450615869314988 | 0.10264222886479779 | 0.10264222886479779 | 0.09406102502947851 | 0.09346806088694011 | 0.09371591249276345 | 0.09483135297156413 Rémunération moyenne des dépôts TRIM 3 2016 (avril - juin 2016) | 0.0036750865127900705 | 0.015076689154457586 | 0.022805682481002284 | 0.01913373828386521 | 0.015157309230914273 | 0.015784234873827057 | 0.013363631111712621 | 0.05317795633192592 | 0.05317795633192592 | 0.013171228034821767 | 0.004917175739012291 | 0.008454079612896917 | 0.014281220934464597 TRIM 3 2015 (avril - juin 2015) | 0.004933828674966395 | 0.014360191095694072 | 0.009967913671038083 | 0.008989617207026145 | 0.007171895780555262 | 0.009851483750255697 | 0.00775718824232053 | 0.029732392320511204 | 0.029732392320511204 | 0.005700448977716016 | 0.00041451044638784817 | 0.003257940036327554 | 0.008092424227426571 CUMUL 2016 (octobre 2015 - juin 2016) | 0.004559562824372697 | 0.014412296360940586 | 0.023151959008541126 | 0.016739724491173488 | 0.014524191710675748 | 0.015355142388740499 | 0.013049213719986 | 0.048701912566072064 | 0.048701912566072064 | 0.012836624658583075 | 0.004802777763234483 | 0.008427693905447608 | 0.013829618685132957 CUMUL 2015 (octobre 2014 - mars 2015) | 0.003917264601434426 | 0.009089567902275969 | 0.008932979996249557 | 0.008088443240476478 | 0.0068542679825979195 | 0.006864363811963178 | 0.0063312887609048235 | 0.02748259580224609 | 0.02748259580224609 | 0.0051388812368311524 | 0.00035085702799167283 | 0.0028726558927476384 | 0.006687579960088769 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2016 (avril - juin 2016) | 0.5634874019283601 | 1.216568612235641 | 0.7677363534225444 | 0.671107356549996 | 0.6397287685064426 | 0.5699539075985189 | 0.6164649014696062 | 0.5039525550922092 | 0.5039525550922092 | 1.3489865808310184 | 0.8937631651250114 | 1.0799961517184982 | 0.6334397744549646 TRIM 3 2015 (avril - juin 2015) | 0.6397611622466293 | 1.0104145717854152 | 0.5639425727896888 | 0.5730886454631338 | 0.6294142161609602 | 0.4538184211292841 | 0.5548203647365407 | 0.5108595010321206 | 0.5108595010321206 | 0.6295016177501273 | 0.9763597827859086 | 0.7799003773913232 | 0.5658553928247274 CUMUL 2016 (octobre 2015 - juin 2016) | 0.5567950208262309 | 1.138252256150906 | 0.6833668514963728 | 0.6470838075552823 | 0.5960078460000633 | 0.3155895101602068 | 0.4684984200944234 | 0.47630416773747436 | 0.47630416773747436 | 1.094941511493077 | 0.7801237293356608 | 0.9153222853627816 | 0.48559716626210525 CUMUL 2015 (octobre 2014 -juin 2015) | 0.6059266824152202 | 0.9112010195216043 | 0.678352370176775 | 0.6166384599435594 | 0.6946898121261849 | 0.5075930560664745 | 0.6020689962935871 | 0.5185125844820561 | 0.5185125844820561 | 0.632323309790907 | 0.806920204510566 | 0.7112157836908231 | 0.6062918127248537 Productivité par employé ('000) TRIM 3 2016 (avril - juin 2016) | 4036.6798644565215 | 965.4160479518072 | 3552.6860827789333 | 2545.1014014839243 | 2976.6086750812715 | 4437.407433361415 | 3449.172422234634 | 4666.428012394366 | 4666.428012394366 | 7559.666666666667 | 4416.6741573033705 | 5321.856 | 3519.816150275632 TRIM 3 2015 (avril - juin 2015) | 3217.983048791209 | 846.9750577777776 | 3615.568810167438 | 2584.297910990009 | 2291.1046226034364 | 4478.523885488821 | 3083.2858666647066 | 4401.782696978416 | 4401.782696978416 | 11736 | 3708.6976744186045 | 6054.123456790124 | 3187.955685560877 CUMUL 2016 (octobre 2015 - juin 2016) | 4061.9285330780563 | 848.4247421814474 | 3953.0258294431737 | 2584.649196956889 | 2887.5192037442143 | 7385.451919750035 | 4246.17406100758 | 4908.2693228169 | 4908.2693228169 | 8453.189189189188 | 4668.883895131086 | 5780.148148148149 | 4300.014414708717 CUMUL 2015 (octobre 2014 - mars 2015) | 3036.082305933384 | 916.0351464968153 | 2941.5994180432895 | 2413.015403573629 | 2162.7006268062437 | 3799.484497805346 | 2770.136629098182 | 4167.4798643309 | 4167.4798643309 | 10927.92380952381 | 3582.8333333333335 | 5672.89972899729 | 2875.23362837883 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé.mars 16 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 mars 2016 | 0.07829688338793041 | 0.004154783112300831 | 0.06158351634476416 | 0.0822548909884726 | 0.07177513469567097 | 0.13234969802503901 | 0.09339098979345675 | 0.07071031421902604 | 0.07071031421902604 | 0.07506985012906042 | 0.05644901385717259 | 0.06545150634968777 | 0.09123918053014483 Au 30 septembre 2015 | 0.07311273478667339 | 0.022106575250711222 | 0.06336105060809091 | 0.08911142793390697 | 0.07203573866007543 | 0.08729278529419134 | 0.0778475628014552 | 0.07416133737929038 | 0.07416133737929038 | 0.07617158669023051 | 0.0522375539803038 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 31 mars 2016 | 0.8106980243192113 | 0.9015846448256655 | 0.7956737508922851 | 0.8283973130842038 | 0.8343329564333459 | 0.8120241590042155 | 0.8200677249516998 | 0.7457405740840534 | 0.7457405740840534 | 0.7272126049427501 | 0.8790195233712267 | 0.8056264370721187 | 0.816880632012588 Au 30 septembre 2015 | 0.7866143422427879 | 0.8656070315761414 | 0.8040688805504217 | 0.8476169259116534 | 0.8096830249836857 | 0.8090800159392417 | 0.807361058954389 | 0.7415964005105095 | 0.7415964005105095 | 0.7514868125234071 | 0.8767457712332675 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2016 | 0.09165425331491081 | 0.45998012192552107 | 0.0026406030521954156 | 0.013024023479206035 | 0.051350581837487246 | 0.010771130071089959 | 0.04394155172876286 | 0.07234241187092758 | 0.07234241187092758 | 0 | 0.06581762147319867 | 0.046853136282048166 | 0.04560875962502716 Au 30 septembre 2015 | 0.06943674388907971 | 0.39744535391982855 | 0.015435212022437708 | 0.006285618990994649 | 0.04850181662821433 | 0.004510084115484565 | 0.03780035503263564 | 0.06747514519877892 | 0.06747514519877892 | 0.0003530517210407771 | 0.05685393797081728 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2016 | 0.47157948193097876 | 0.881405830763687 | 5.239520353535058 | 0.6133875739644971 | 0.9885058141170177 | 1.1995100647186154 | 0.8279043625164104 | 0.32929768830334466 | 0.32929768830334466 | 0 | 0.6397379606379845 | 0.6397379606379845 | 0.7768544356012893 Au 30 septembre 2015 | 0.56491289338209 | 0.9454014690403388 | 1.325036371586142 | 1.3248644595685777 | 0.8812932065444768 | 1.9699112006201913 | 0.8631981462990274 | 0.3540804752847749 | 0.3540804752847749 | 0 | 0.68622554464597 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2016 | 0.12235847312179768 | 4.8843280071240285 | -0.08716516335642521 | 0.023028460657326638 | 0.002545368424629408 | -0.004943973446631697 | 0.023946979218390674 | 0.3381546717912423 | 0.3381546717912423 | 0 | 0.1427007684571403 | 0.06357174594569841 | 0.03344205742713631 Au 30 septembre 2015 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2016 (janvier-mars 2016) | 0.024980414608962935 | -0.013129966728332802 | 0.026077024036181333 | 0.025925701943261818 | 0.01839839115781365 | 0.15495746115467723 | 0.06785344626743901 | 0.01912869140687904 | 0.01912869140687904 | -0.008641165256532092 | 0.0063718776070625606 | -0.0010052911505397638 | 0.06275095152959771 TRIM 2 2015 (janvier - mars 2015) | 0.015771217285552638 | -0.011718490495650026 | 0.02189202604528634 | 0.029669980927950295 | 0.013177200501023138 | 0.02851417645806862 | 0.01812660270793836 | 0.01431913067201819 | 0.01431913067201819 | 0.010919804465693095 | 0.009830761238872016 | 0.010429351598012913 | 0.01749756367008322 CUMUL 2016 (octobre 2015 - mars 2016) | 0.023873759794929433 | -0.014166118694393515 | 0.0236541415794388 | 0.02711976864490607 | 0.016423970743072867 | 0.09733603616764135 | 0.04715465929099655 | 0.01697295368720907 | 0.01697295368720907 | 0.00033561112004750187 | 0.009374432138716492 | 0.004831741753345665 | 0.04400863787512705 CUMUL 2015 (octobre 2014 - mars 2015) | 0.015722305767765257 | -0.006994419762272569 | 0.01655039275990244 | 0.027189381610516913 | 0.006573622213878641 | 0.025427424271113122 | 0.016770869521095452 | 0.014044399583162195 | 0.014044399583162195 | 0.010383671644038275 | 0.012987982788378516 | 0.0115123490406778 | 0.0163332807226659 ROE (rendement de l'avoir des actionn.) TRIM 2 2016 (janvier-mars 2016) | 0.3242037795786949 | -1.2671159352829058 | 0.4307085016022958 | 0.29773500979245887 | 0.24998062795967377 | 1.3637175331431513 | 0.7734395715595391 | 0.2537742466245785 | 0.2537742466245785 | -0.11187989795731092 | 0.1179237384158486 | -0.015363185126325698 | 0.7280568104006448 TRIM 2 2015 (janvier - mars 2015) | 0.2148309985332163 | -0.34447499706359874 | 0.3902456962425636 | 0.3424225150801011 | 0.09332790747403555 | 0.28692960027358755 | 0.2219384112789202 | 0.18647133528335247 | 0.18647133528335247 | 0.19601651869292486 | 0.2082144481083267 | 0.2010155624095763 | 0.21995443223836547 CUMUL 2016 (octobre 2015 - mars 2016) | 0.3148724569340278 | -1.1282608166894639 | 0.37931751941727904 | 0.31750662199646523 | 0.228435762509175 | 0.8808190980697111 | 0.548239404327035 | 0.23473664890308113 | 0.23473664890308113 | 0.004437685313843696 | 0.17206292504480614 | 0.07420946473303082 | 0.5208353824546921 CUMUL 2015 (octobre 2014 - mars 2015) | 0.2238334899670998 | -0.19971467015041114 | 0.2842697153789087 | 0.31934651678817877 | 0.09106451567250241 | 0.26332203961987033 | 0.21006263810893278 | 0.18154629478900217 | 0.18154629478900217 | 0.20097607032809997 | 0.2826919736400284 | 0.23405626820651934 | 0.21022029610279883 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2016 (janvier-mars 2016) | 0.9080253162913378 | 0.6627347863060827 | 0.7698244478366175 | 0.8028698602902288 | 0.7379726592950668 | 0.7242660741733234 | 0.7800456746786468 | 0.5686227904515005 | 0.5686227904515005 | 0.6458112407211029 | 0.8912394634130342 | 0.7960076675264198 | 0.769420991890559 TRIM 2 2015 (janvier - mars 2015) | 0.9005576885014279 | 0.7835357038234821 | 0.8773262362716712 | 0.8970324064094273 | 0.8437572088069144 | 0.8605594894130195 | 0.8693153225839981 | 0.6715630893517912 | 0.8773262362716712 | 0.8191849245090249 | 0.9909694032653207 | 0.9152811956065062 | 0.8622108536439683 CUMUL 2016 (octobre 2015 - mars 2016) | 0.9074401067801464 | 0.6453390994247824 | 0.7663314810303978 | 0.8120608533220787 | 0.7513845118496085 | 0.6938202075863314 | 0.7739616576293327 | 0.5478382323396979 | 0.5478382323396979 | 0.714654052499529 | 0.9045043114991163 | 0.8218203648676664 | 0.7647266419244265 CUMUL 2015 (octobre 2014 - mars 2015) | 0.9168421191148936 | 0.8294835573049971 | 0.8771046489371048 | 0.9004461059190031 | 0.843384832148663 | 0.8688142710171971 | 0.8761817518373888 | 0.6653262338271715 | 0.6653262338271715 | 0.8425549370055669 | 0.9920968164231064 | 0.9243876294786891 | 0.8688242662463537 Rendement moyen des prêts TRIM 2 2016 (janvier-mars 2016) | 0.096982698205544 | 0.05673521348728673 | 0.15862393079755996 | 0.16323322313521244 | 0.11769366075625844 | 0.12491973088405506 | 0.12281506224320594 | 0.12039968228565831 | 0.12039968228565831 | 0.11471657272811592 | 0.10952141809593473 | 0.11111844487862449 | 0.12217905358870335 TRIM 2 2015 (janvier - mars 2015) | 0.08014122111136185 | 0.06375459471796402 | 0.13721693394874832 | 0.14291273222458248 | 0.07852558175200942 | 0.08913569468213382 | 0.09050205540241044 | 0.09581578751511748 | 0.09581578751511748 | 0.08097774192729293 | 0.10208484805220962 | 0.09280254412347289 | 0.09088527735135987 CUMUL 2016 (octobre 2015 - mars 2016) | 0.09678498737502761 | 0.05601693738225881 | 0.15277266433271183 | 0.16378251219007578 | 0.11933300894834525 | 0.12682103349457627 | 0.12339992155414406 | 0.11420154540809531 | 0.11420154540809531 | 0.1426408220299191 | 0.11917619022576993 | 0.12688484860499522 | 0.12306495202424649 CUMUL 2015 (octobre 2014 - mars 2015) | 0.07902185796682366 | 0.06955999263717605 | 0.12624161510146545 | 0.1390160393053372 | 0.07665401473538323 | 0.08647007285340168 | 0.08795458579400549 | 0.09018348173085504 | 0.09018348173085504 | 0.08957392392126914 | 0.0923348278155562 | 0.09120922810768992 | 0.08823478059740207 Rendement moyen des prêts productifs TRIM 2 2016 (janvier-mars 2016) | 0.10637490242540609 | 0.10271220236170507 | 0.16157144736053827 | 0.16566584073664375 | 0.1244497874722619 | 0.1260649988150655 | 0.12863037162961044 | 0.13112988823787533 | 0.13112988823787533 | 0.11471657272811592 | 0.1162717640721099 | 0.11577365878125424 | 0.12820047600511877 TRIM 2 2015 (janvier - mars 2015) | 0.08460459349616214 | 0.10837141647838269 | 0.14099188246762118 | 0.14433090882683236 | 0.0843579070792618 | 0.08941953736472633 | 0.09441838668696859 | 0.10362689899106994 | 0.10362689899106994 | 0.08233864026440688 | 0.10927815868376753 | 0.09708861835908389 | 0.09499583644792464 CUMUL 2016 (octobre 2015 - mars 2016) | 0.10526377492849827 | 0.09810106875486002 | 0.1540161106201584 | 0.1654133217718451 | 0.1256063826409868 | 0.12780983411477867 | 0.12867090285802993 | 0.12280062091809413 | 0.12280062091809413 | 0.1426408220299191 | 0.12696315877545333 | 0.13233484755948344 | 0.1285310451705725 CUMUL 2015 (octobre 2014 - mars 2015) | 0.08319647187828108 | 0.1136571966294598 | 0.12926658575812594 | 0.13987927943444528 | 0.0806128008663464 | 0.0866880631952826 | 0.09109325728701388 | 0.09737003385204082 | 0.09737003385204082 | 0.09127183149939674 | 0.0988605600324375 | 0.09567556478819104 | 0.09162460912361743 Rémunération moyenne des dépôts TRIM 2 2016 (janvier-mars 2016) | 0.005112842601815495 | 0.014026432144331927 | 0.022614124863215193 | 0.015829583976266163 | 0.014033847651031717 | 0.013358020083484773 | 0.01228123132493208 | 0.04327095067341572 | 0.04327095067341572 | 0.012911037562949734 | 0.004858118687677981 | 0.008379159222112183 | 0.013012078825395481 TRIM 2 2015 (janvier - mars 2015) | 0.0046400941015979965 | 0.007748183609675617 | 0.009131273363631998 | 0.008285668015601303 | 0.007088097333734551 | 0.006488947650281016 | 0.0063357175715063 | 0.026954063463130843 | 0.026954063463130843 | 0.006040902767558744 | 0.00039749245231689395 | 0.0032713867658228928 | 0.0067244069978214015 CUMUL 2016 (octobre 2015 - mars 2016) | 0.005046357184934562 | 0.013650813262689661 | 0.022404763997266455 | 0.014963457489763913 | 0.013712656037753316 | 0.015257761014677145 | 0.012741730309180273 | 0.04337991665400563 | 0.04337991665400563 | 0.012878365485049555 | 0.004753881144401378 | 0.008489166101733977 | 0.013433732540654825 CUMUL 2015 (octobre 2014 - mars 2015) | 0.0034943575324100653 | 0.006863873814266455 | 0.008973282838674773 | 0.007801757700112297 | 0.006838100491900367 | 0.005584533847570773 | 0.0057151276952245875 | 0.026604089602874154 | 0.026604089602874154 | 0.004673931195724783 | 0.0003272340979536125 | 0.002656011182498622 | 0.006076782883194255 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2016 (janvier-mars 2016) | 0.5424385233315692 | 1.0681728082844495 | 0.625641424857486 | 0.6545969158696077 | 0.5791869546116383 | 0.17451632070309883 | 0.33974620790089466 | 0.43473932596836007 | 0.43473932596836007 | 1.2381778873968514 | 0.8193742131225362 | 0.988565910544703 | 0.35747922190933257 TRIM 2 2015 (janvier - mars 2015) | 0.5834969190824814 | 1.0015282455830778 | 0.6943413201356983 | 0.624852681889279 | 0.7263893534775501 | 0.5302681128545018 | 0.6186248944314731 | 0.5100077268799373 | 0.5100077268799373 | 0.5973815859499734 | 0.8030953702139979 | 0.6938105039355831 | 0.6204133921481786 CUMUL 2016 (octobre 2015 - mars 2016) | 0.5530457336337286 | 1.0892048317427572 | 0.6443840980864677 | 0.6348969520739726 | 0.5737197608088289 | 0.25096930699369896 | 0.41222462913643204 | 0.4634771309966342 | 0.4634771309966342 | 0.9911552249022751 | 0.7277869686048637 | 0.8432363996251803 | 0.4288481103814173 CUMUL 2015 (octobre 2014 - mars 2015) | 0.5878158441396769 | 0.8667964923658741 | 0.7577607547488461 | 0.6414839505499529 | 0.7304371384551767 | 0.5430093855573692 | 0.6301172312128893 | 0.5227656089590222 | 0.5227656089590222 | 0.6339319434485854 | 0.7207171568940216 | 0.6740044368369418 | 0.6301382099059023 Productivité par employé ('000) TRIM 2 2016 (janvier-mars 2016) | 3837.2702184038867 | 856.8143980307692 | 4202.460879997635 | 2523.1414309484194 | 3113.3961605733343 | 12679.421565202703 | 5742.951827809654 | 5542.97764141844 | 5542.97764141844 | 7100.756756756757 | 4355.146067415731 | 5161.396825396825 | 5723.63409390636 TRIM 2 2015 (janvier - mars 2015) | 3203.7135947704282 | 788.8915745337622 | 2973.715624130757 | 2379.8926919518963 | 2107.8867167560134 | 3576.556950563193 | 2707.939282952228 | 4231.654105693432 | 4231.654105693432 | 11387.878787878788 | 3878.2690058479534 | 5969.552742616033 | 2822.1096888896473 CUMUL 2016 (octobre 2015 - mars 2016) | 3899.3765012058825 | 792.2392324458203 | 4027.987020726037 | 2605.1849315068494 | 2866.822236271689 | 8871.75047500214 | 4626.284153684425 | 5029.189978028168 | 5029.189978028168 | 9002.108108108108 | 4849.477272727273 | 6078.656 | 4673.49889066889 CUMUL 2015 (octobre 2014 - mars 2015) | 2961.7310002784225 | 958.372933762058 | 2625.0698114208585 | 2306.8159111933396 | 2094.6891618995182 | 3465.3254137265417 | 2614.368750958807 | 4047.744225588236 | 4047.744225588236 | 10907.522388059702 | 3562.0454545454545 | 5587.341563786008 | 2721.1640312925224 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclé.déc 15 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 décembre 2015 | 0.07574510200383062 | 0.016946060273952186 | 0.059389425571404544 | 0.09255175741959344 | 0.07554539745107453 | 0.09426434904965873 | 0.0817403959920068 | 0.08042270020295045 | 0.08042270020295045 | 0.07938198334454276 | 0.051482966585815075 | 0.0654182556176466 | 0.08085309279660402 Au 30 septembre 2015 | 0.07311273478667339 | 0.022106575250711222 | 0.06336105060809091 | 0.08911142793390697 | 0.07203573866007543 | 0.08729278529419134 | 0.0778475628014552 | 0.07416133737929038 | 0.07416133737929038 | 0.07617158669023051 | 0.0522375539803038 | 0.0647487442768248 | 0.07704361963776468 Dépôts en % de l'actif Au 31 décembre 2015 | 0.8001681986811164 | 0.8782097154030121 | 0.7914547557302084 | 0.8293120048900393 | 0.8206278407980312 | 0.8565688395753692 | 0.8287677857914226 | 0.7455357548038801 | 0.7455357548038801 | 0.6880086152121967 | 0.8805902679598283 | 0.7843975950611851 | 0.8237756489791819 Au 31 décembre 2015 | 0.7866143422427879 | 0.8656070315761414 | 0.8040688805504217 | 0.8476169259116534 | 0.8096830249836857 | 0.8090800159392417 | 0.807361058954389 | 0.7415964005105095 | 0.7415964005105095 | 0.7514868125234071 | 0.8767457712332675 | 0.8112683530415077 | 0.8054934409289374 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2015 | 0.08500197029756927 | 0.43558145635289436 | 0.036160142164755354 | 0.016451936403175736 | 0.05723898885852976 | 0.007387495410851165 | 0.04649693830508378 | 0.0916217954923875 | 0.0916217954923875 | 0 | 0.05051922071610405 | 0.0340929548205794 | 0.048345224907690956 Au 30 septembre 2015 | 0.06943674388907971 | 0.39744535391982855 | 0.015435212022437708 | 0.006285618990994649 | 0.04850181662821433 | 0.004510084115484565 | 0.03780035503263564 | 0.06747514519877892 | 0.06747514519877892 | 0.0003530517210407771 | 0.05685393797081728 | 0.036129434048264755 | 0.03927160352764851 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2015 | 0.47363643321858645 | 0.8419468186029629 | 0.5082986728279836 | 0.5492723492723492 | 0.8253928357631896 | 1.4296212639609953 | 0.735685704810221 | 0.24245452955974475 | 0.24245452955974475 | 0 | 0.8731906887585307 | 0.8731906887585307 | 0.6901532638362253 Au 30 septembre 2015 | 0.56491289338209 | 0.9454014690403388 | 1.325036371586142 | 1.3248644595685777 | 0.8812932065444768 | 1.9699112006201913 | 0.8631981462990274 | 0.3540804752847749 | 0.3540804752847749 | 0 | 0.68622554464597 | 0.68622554464597 | 0.8094713691264651 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2015 | 0.12516845484451175 | 1.6433412732030523 | 0.13896244035528307 | 0.03213303789119528 | 0.043486319070661486 | -0.010536482362853872 | 0.04632254943085135 | 0.44549296866619625 | 0.44549296866619625 | 0 | 0.04597460762800754 | 0.018109026758624885 | 0.058002716247726106 Au 30 septembre 2015 | 0.08932775295551823 | 0.4079155526647808 | -0.03614453672192649 | -0.00893199788137609 | 0.027212272361572004 | -0.01525164576893478 | 0.02044165772051416 | 0.3059915688271339 | 0.3059915688271339 | 0 | 0.13264599628454107 | 0.05107447767438239 | 0.03045665093433915 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2016 (octobre. - décembre. 2015) | 0.022822203687716144 | -0.015224231021659346 | 0.020568590894752912 | 0.029876868522399996 | 0.01442655147068945 | 0.038310994846027215 | 0.025723169269629146 | 0.014751342995908348 | 0.014751342995908348 | 0.00920311715402431 | 0.012490726739668799 | 0.010810963209671866 | 0.02459526257857404 TRIM 1 2015 (octobre - décembre 2014) | 0.016470933010890653 | -0.001951670391605816 | 0.010095770779749144 | 0.02408448914253806 | 0.0015255543790796862 | 0.023142508115749857 | 0.015672792231134165 | 0.01361901930599662 | 0.01361901930599662 | 0.01169901345150116 | 0.01537382482011807 | 0.013434704520544542 | 0.01546411314207231 CUMUL 2016 (octobre - décembre. 2015) | 0.022822203687716144 | -0.015224231021659346 | 0.020568590894752912 | 0.029876868522399996 | 0.01442655147068945 | 0.038310994846027215 | 0.025723169269629146 | 0.014751342995908348 | 0.014751342995908348 | 0.00920311715402431 | 0.012490726739668799 | 0.010810963209671866 | 0.02459526257857404 CUMUL 2015 (octobre - décembre 2014) | 0.016470933010890653 | -0.001951670391605816 | 0.010095770779749144 | 0.02408448914253806 | 0.006286571401482859 | 0.023142508115749857 | 0.015672792231134165 | 0.01361901930599662 | 0.01361901930599662 | 0.01169901345150116 | 0.01537382482011807 | 0.013434704520544542 | 0.01546411314207231 ROE (rendement de l'avoir des actionn.) TRIM 1 2016 (octobre. - décembre. 2015) | 0.30651896100651443 | -0.7832664717896494 | 0.33593548664730355 | 0.3288334496545986 | 0.1953754354755805 | 0.42180786626083083 | 0.3221943077691422 | 0.19057366414755803 | 0.19057366414755803 | 0.11834592756946247 | 0.24092167367016507 | 0.16609620945828438 | 0.31136787651998454 TRIM 1 2015 (octobre - décembre 2014) | 0.2315793529056202 | -0.0475551690771147 | 0.1942292967368062 | 0.28087305594538503 | 0.08643382802861463 | 0.24294107437720838 | 0.19689362270678626 | 0.1671341958642693 | 0.1671341958642693 | 0.2071284996505121 | 0.35593863763550665 | 0.2675971105186 | 0.19893953676457948 CUMUL 2016 (octobre - décembre. 2015) | 0.30651896100651443 | -0.7832664717896494 | 0.33593548664730355 | 0.3288334496545986 | 0.1953754354755805 | 0.42180786626083083 | 0.3221943077691422 | 0.19057366414755803 | 0.19057366414755803 | 0.11834592756946247 | 0.24092167367016507 | 0.16609620945828438 | 0.31136787651998454 CUMUL 2015 (octobre - décembre 2014) | 0.2315793529056202 | -0.0475551690771147 | 0.1942292967368062 | 0.28087305594538503 | 0.08643382802861463 | 0.24294107437720838 | 0.19689362270678626 | 0.1671341958642693 | 0.1671341958642693 | 0.2071284996505121 | 0.35593863763550665 | 0.2675971105186 | 0.19893953676457948 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2016 (octobre. - décembre. 2015) | 0.906795313050613 | 0.6230288187499936 | 0.762158850562841 | 0.8214804293553735 | 0.7648922650050014 | 0.6625458338350108 | 0.7675687342571 | 0.5232227749677519 | 0.5232227749677519 | 0.7574626865671642 | 0.9161060829902896 | 0.8413207475643504 | 0.7598334290407656 TRIM 1 2015 (octobre - décembre 2014) | 0.9358961032910945 | 0.8678200847266458 | 0.8768398236165976 | 0.9041481596924595 | 0.8429875049290583 | 0.878227415052921 | 0.8838481446765848 | 0.657919984246384 | 0.657919984246384 | 0.8674903100775194 | 0.9934324816745053 | 0.9346759792952238 | 0.8762337052957054 CUMUL 2016 (octobre - décembre. 2015) | 0.906795313050613 | 0.6230288187499936 | 0.762158850562841 | 0.8214804293553735 | 0.7648922650050014 | 0.6625458338350108 | 0.7675687342571 | 0.5232227749677519 | 0.5232227749677519 | 0.7574626865671642 | 0.9161060829902896 | 0.8413207475643504 | 0.7598334290407656 CUMUL 2015 (octobre - décembre 2014) | 0.9358961032910945 | 0.8678200847266458 | 0.8768398236165976 | 0.9041481596924595 | 0.8429875049290583 | 0.878227415052921 | 0.8838481446765848 | 0.657919984246384 | 0.657919984246384 | 0.8674903100775194 | 0.9934324816745053 | 0.9346759792952238 | 0.8762337052957054 Rendement moyen des prêts TRIM 1 2016 (octobre. - décembre. 2015) | 0.0945463429090413 | 0.05340285989258988 | 0.145627836690695 | 0.1650945753875201 | 0.11999911590516806 | 0.1257221539121738 | 0.12214916383112724 | 0.10598067226052998 | 0.10598067226052998 | 0.16440933989524117 | 0.12542865350977675 | 0.1388829809796744 | 0.12208111705776822 TRIM 1 2015 (octobre - décembre 2014) | 0.0781106184265364 | 0.07826274145053977 | 0.12499577666655098 | 0.1297578070847183 | 0.07316768577596995 | 0.08062100035400316 | 0.08374456373243996 | 0.08307454208604771 | 0.08307454208604771 | 0.08301721033661362 | 0.08528610727140844 | 0.08432080014856397 | 0.08374409900710626 CUMUL 2016 (octobre - décembre. 2015) | 0.0945463429090413 | 0.05340285989258988 | 0.145627836690695 | 0.1650945753875201 | 0.11999911590516806 | 0.1257221539121738 | 0.12214916383112724 | 0.10598067226052998 | 0.10598067226052998 | 0.16440933989524117 | 0.12542865350977675 | 0.1388829809796744 | 0.12208111705776822 CUMUL 2015 (octobre - décembre 2014) | 0.0781106184265364 | 0.07826274145053977 | 0.12499577666655098 | 0.1297578070847183 | 0.07316768577596995 | 0.08062100035400316 | 0.08374456373243996 | 0.08307454208604771 | 0.08307454208604771 | 0.08301721033661362 | 0.08528610727140844 | 0.08432080014856397 | 0.08374409900710626 Rendement moyen des prêts productifs TRIM 1 2016 (octobre. - décembre. 2015) | 0.10246729904300228 | 0.0915871793341113 | 0.14961554896920237 | 0.16701806612197082 | 0.12670391356502927 | 0.12647954457833743 | 0.1275374019732507 | 0.1151878491727763 | 0.1151878491727763 | 0.16440933989524117 | 0.132538355533375 | 0.14393922916891297 | 0.12768738039331792 TRIM 1 2015 (octobre - décembre 2014) | 0.08199927183078884 | 0.12983421517045293 | 0.12825455562102683 | 0.13100674551943675 | 0.07669023881662139 | 0.08073807237387845 | 0.08661982288680235 | 0.09175362898054147 | 0.09175362898054147 | 0.08303091939280806 | 0.09132482994568081 | 0.0876571534449779 | 0.0869034095123229 CUMUL 2016 (octobre - décembre. 2015) | 0.10246729904300228 | 0.0915871793341113 | 0.14961554896920237 | 0.16701806612197082 | 0.12670391356502927 | 0.12647954457833743 | 0.1275374019732507 | 0.1151878491727763 | 0.1151878491727763 | 0.16440933989524117 | 0.132538355533375 | 0.14393922916891297 | 0.12768738039331792 CUMUL 2015 (octobre - décembre 2014) | 0.08199927183078884 | 0.12983421517045293 | 0.12825455562102683 | 0.13100674551943675 | 0.07669023881662139 | 0.08073807237387845 | 0.08661982288680235 | 0.09175362898054147 | 0.09175362898054147 | 0.08303091939280806 | 0.09132482994568081 | 0.0876571534449779 | 0.0869034095123229 Rémunération moyenne des dépôts TRIM 1 2016 (octobre. - décembre. 2015) | 0.004991950484526423 | 0.01330249835057297 | 0.02208595397749849 | 0.01498564882755548 | 0.01348775829357393 | 0.016422610269651937 | 0.013086983528813616 | 0.043656756844224286 | 0.043656756844224286 | 0.013799894213012531 | 0.0045816749256990625 | 0.008833152070263422 | 0.013761748461435607 TRIM 1 2015 (octobre - décembre 2014) | 0.0025679553575070108 | 0.005458427193161488 | 0.008433567502497975 | 0.007177425283940282 | 0.006675718741296617 | 0.00496942012998257 | 0.005160014841889107 | 0.025115829213238662 | 0.025115829213238662 | 0.004321399975588436 | 0.00024192846643496162 | 0.0022691903623009747 | 0.005519081124652305 CUMUL 2016 (octobre - décembre. 2015) | 0.004991950484526423 | 0.01330249835057297 | 0.02208595397749849 | 0.01498564882755548 | 0.01348775829357393 | 0.016422610269651937 | 0.013086983528813616 | 0.043656756844224286 | 0.043656756844224286 | 0.013799894213012531 | 0.0045816749256990625 | 0.008833152070263422 | 0.013761748461435607 CUMUL 2015 (octobre - décembre 2014) | 0.0025679553575070108 | 0.005458427193161488 | 0.008433567502497975 | 0.007177425283940282 | 0.006675718741296617 | 0.00496942012998257 | 0.005160014841889107 | 0.025115829213238662 | 0.025115829213238662 | 0.004321399975588436 | 0.00024192846643496162 | 0.0022691903623009747 | 0.005519081124652305 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2016 (octobre. - décembre. 2015) | 0.5645988110995682 | 1.1143061040715634 | 0.6668675845993117 | 0.6153265620577969 | 0.5673456552905474 | 0.45159445093601125 | 0.5362270995616878 | 0.4982061691134168 | 0.4982061691134168 | 0.8302844621592949 | 0.6515904700579523 | 0.734516776176541 | 0.5464134906061087 TRIM 1 2015 (octobre - décembre 2014) | 0.5928352406662976 | 0.772556708383314 | 0.8411080941344378 | 0.6592034031951337 | 0.7345476247940883 | 0.5568107258704648 | 0.6425064871647371 | 0.5369549882152468 | 0.5369549882152468 | 0.6726234070602022 | 0.6282235345107813 | 0.6524605893605112 | 0.6406351572538673 CUMUL 2016 (octobre - décembre. 2015) | 0.5645988110995682 | 1.1143061040715634 | 0.6668675845993117 | 0.6153265620577969 | 0.5673456552905474 | 0.45159445093601125 | 0.5362270995616878 | 0.4982061691134168 | 0.4982061691134168 | 0.8302844621592949 | 0.6515904700579523 | 0.734516776176541 | 0.5464134906061087 CUMUL 2015 (octobre - décembre 2014) | 0.5928352406662976 | 0.772556708383314 | 0.8411080941344378 | 0.6592034031951337 | 0.7345476247940883 | 0.5568107258704648 | 0.6425064871647371 | 0.5369549882152468 | 0.5369549882152468 | 0.6726234070602022 | 0.6282235345107813 | 0.6524605893605112 | 0.6406351572538673 Productivité par employé ('000) TRIM 1 2016 (octobre. - décembre. 2015) | 3825.7706846721926 | 729.1308274999999 | 3696.093058348624 | 2604.8600682593856 | 2624.489349539732 | 4887.523047313114 | 3415.9231012198047 | 4586.7383426950355 | 4586.7383426950355 | 10616.526315789473 | 5234.831460674157 | 6845.102362204724 | 3532.3646028311978 TRIM 1 2015 (octobre - décembre 2014) | 2720.6331777572964 | 1131.492532645161 | 2262.7160623588925 | 2273.7024482109227 | 2080.0217159779613 | 3337.3646922097714 | 2522.0169709428046 | 3861.109754666667 | 3861.109754666667 | 10923.2 | 3375.177142857143 | 5419.433333333333 | 2624.288180558359 CUMUL 2016 (octobre - décembre. 2015) | 3825.7706846721926 | 729.1308274999999 | 3696.093058348624 | 2604.8600682593856 | 2624.489349539732 | 4887.523047313114 | 3415.9231012198047 | 4586.7383426950355 | 4586.7383426950355 | 10616.526315789473 | 5234.831460674157 | 6845.102362204724 | 3532.3646028311978 CUMUL 2015 (octobre - décembre 2014) | 2720.6331777572964 | 1131.492532645161 | 2262.7160623588925 | 2273.7024482109227 | 2080.0217159779613 | 3337.3646922097714 | 2522.0169709428046 | 3861.109754666667 | 3861.109754666667 | 10923.2 | 3375.177142857143 | 5419.433333333333 | 2624.288180558359 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [bilsysbasept. 19] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2019 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 11647368 | 231381.95525 | 1590411.1559866401 | 906639 | 4133868.5198899996 | 2346903.82135562 | 20856572.45248226 | 33777.61969 | 33777.61969 | 46578 | 46578 | 20936928.07217226 Avoirs à la BRH | 17585337 | 1495337.37768 | 9070036.153152673 | 10701200 | 38966197.58544999 | 52050817.13178205 | 129868925.24806473 | 989615.4772099999 | 989615.4772099999 | 4167116 | 4167116 | 135025656.72527474 Avoirs à l'étranger | 2328011.06 | 353802.10764 | 986479.0003250521 | 3391357 | 4759170.6993 | 7380096.758453228 | 19198916.62571828 | 0 | 0 | 1033589 | 1033589 | 20232505.62571828 Avoirs dans les banques locales | 0 | 0 | 28031.539728848 | 2278 | 5592 | 0 | 35901.539728848 | 102226.08649999999 | 102226.08649999999 | 0 | 0 | 138127.626228848 Autres liquidités | 145328.3 | 6167.925020000001 | 4424.70291733 | 27937 | 371122.39983999997 | 395833.213658144 | 950813.541435474 | 5765.78631 | 5765.78631 | 78180 | 78180 | 1034759.327745474 31706044.36 | 2086689.36559 | 11679382.552110543 | 15029411 | 48235951.20447999 | 62173650.92524904 | 170911129.4074296 | 1131384.96971 | 1131384.96971 | 5325463 | 5325463 | 177367977.37713957 Bons B.R.H. | 1000000 | 540000 | 300000 | 0 | 0 | 0 | 1840000 | 0 | 0 | 0 | 0 | 1840000 Bons du Trésor / M.E.F. | 7900000 | 410833.33315 | 0 | 0 | 0 | 25000.00004 | 8335833.333190001 | 0 | 0 | 0 | 0 | 8335833.333190001 Autres Placements | 14929633.900000002 | 35120.15096 | 347309.5696432779 | 2172148 | 19037189.698299997 | 30216934.90483751 | 66738336.22374079 | 962311.2083999999 | 962311.2083999999 | 0 | 0 | 67700647.43214078 Portefeuille net | 21240071.6 | 735168.3774700001 | 15103214.604820965 | 11531934 | 32111842.915229995 | 38736782.90442001 | 119459014.40194097 | 4681835.28272 | 4681835.28272 | 610585 | 610585 | 124751434.68466097 Immobilisations | 2162320.96383 | 354057.22569 | 1080246.5478400001 | 804175 | 2927240.25415 | 2625048.9294 | 9953088.92091 | 587881.4545400001 | 587881.4545400001 | 285583 | 285583 | 10826553.37545 Autres actifs | 2553854.05 | 634135.90074 | 291268.22477760597 | 490202 | 2989154.935 | 3134352.5027246904 | 10092967.613242297 | 999816.4257599998 | 999816.4257599998 | 29845 | 29845 | 11122629.039002296 81491924.87383 | 4796004.353600001 | 28801421.49919239 | 30027870 | 105301379.00716 | 136911770.16667125 | 387330369.9004536 | 8363229.34113 | 8363229.34113 | 6251476 | 6251476 | 401945075.24158365 PASSIF Dépôts À vue | 30965606.5 | 1874150.12732 | 8787925.67711029 | 9656431 | 36008544.29994681 | 48821346.50753637 | 136114004.11191344 | 2063495.00366 | 2063495.00366 | 4022761 | 4022761 | 142200260.11557344 Épargne | 20468012 | 483361.85274999996 | 4212126.49339006 | 5580434 | 28544183.309672147 | 43263547.106108956 | 102551664.76192117 | 772508.68417 | 772508.68417 | 524317 | 524317 | 103848490.44609116 À terme | 10625179 | 1705567.75985 | 9161785.64954533 | 8876056 | 21724314.25017037 | 23900210.241102997 | 75993112.9006687 | 2442085.99376 | 2442085.99376 | 14286 | 14286 | 78449484.8944287 62058797.5 | 4063079.73992 | 22161837.82004568 | 24112921 | 86277041.85978933 | 115985103.85474831 | 314658781.7745033 | 5278089.68159 | 5278089.68159 | 4561364 | 4561364 | 324498235.4560933 Obligations à vue Banques locales | 0 | 0 | 0 | 400000 | 0 | 0 | 400000 | 0 | 0 | 0 | 0 | 400000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2578834.38 | 190865.36939 | 1081190.57453524 | 1040575 | 4715026.590960002 | 3180921.766413789 | 12787413.68129903 | 160795.95508 | 160795.95508 | 1151233 | 1151233 | 14099442.636379031 2578834.38 | 190865.36939 | 1081190.57453524 | 1440575 | 4715026.590960002 | 3180921.766413789 | 13187413.68129903 | 160795.95508 | 160795.95508 | 1151233 | 1151233 | 14499442.636379031 Obligations à terme Banques locales | 4373103 | 24999.99982 | 2246940.63127 | 609610 | 4003233.8392 | 2690584.06942 | 13948471.53971 | 1945749.74799 | 1945749.74799 | 0 | 0 | 15894221.287700001 Banque à l'étranger | 0 | 0 | 0 | 0 | 659.73434 | 0 | 659.73434 | 0 | 0 | 0 | 0 | 659.73434 Autres | 4031664.87 | 533506.28177 | 218084.66752436 | 180533 | 742923.17369 | 979726.8818084379 | 6686438.8747927975 | 102014.82672 | 102014.82672 | 100654 | 100654 | 6889107.701512798 8404767.870000001 | 558506.28159 | 2465025.29879436 | 790143 | 4746816.74723 | 3670310.951228438 | 20635570.148842797 | 2047764.57471 | 2047764.57471 | 100654 | 100654 | 22783988.7235528 Autres passifs | 1093076.22 | 26859.91163 | 250201.773827278 | 824832 | 2041627.0657100002 | 1975849.3866187278 | 6212446.357786005 | 167938.88543 | 167938.88543 | 0 | 0 | 6380385.243216005 74135475.97 | 4839311.30253 | 25958255.467202555 | 27168471 | 97780512.26368931 | 124812185.95900927 | 354694211.96243113 | 7654589.09681 | 7654589.09681 | 5813251 | 5813251 | 368162052.0592411 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728502.76157 | 810000 | 1500000 | 6404700 | 12608202.76157 | 250000 | 250000 | 103837 | 103837 | 12962039.76157 Réserves | 959252 | 78594.77100000001 | 360099.69334 | 358225 | 2480397.4225700004 | 1395127.22788 | 5631696.114790001 | 305532.74332999997 | 305532.74332999997 | 59288 | 59288 | 5996516.858120001 Réserves (Prov. Pour pertes sur prêts) | 159999.9 | 0 | 0 | 0 | 0 | 0 | 159999.9 | 0 | 0 | 0 | 0 | 159999.9 Surplus d'apport | 0 | 14325 | 1170091.23698 | 1384 | 376690.93492 | 0 | 1562491.1719 | 0 | 0 | 0 | 0 | 1562491.1719 BNR | 3237197 | -301226.71992999996 | 584472.340098 | 1689790 | 3163778.386000003 | 4299756.9795200005 | 12673767.985688005 | 153107.5009 | 153107.5009 | 275100 | 275100 | 13101975.486588005 7356448.9 | -43306.948929999955 | 2843166.031988 | 2859399 | 7520866.743490003 | 12099584.207400002 | 32636157.933948003 | 708640.24423 | 708640.24423 | 438225 | 438225 | 33783023.178178005 81491924.87 | 4796004.3536 | 28801421.499190554 | 30027870 | 105301379.00717932 | 136911770.16640928 | 387330369.8963791 | 8363229.34104 | 8363229.34104 | 6251476 | 6251476 | 401945075.2374191 Hors-bilan Effets à l'encaissement | 1146373 | 0 | 0 | 0 | 11996.07348 | 629.0437063559999 | 1158998.117186356 | 0 | 0 | 0 | 0 | 1158998.117186356 Crédit documentaire | 355824 | 0 | 0 | 0 | 1838622.5177399998 | 1317310.419578244 | 3511756.937318244 | 0 | 0 | 0 | 0 | 3511756.937318244 Autres | 7735704.5 | 185921.176250502 | 1541318.249651364 | 372570 | 6761928.37086 | 1528207.0292863299 | 18125649.326048195 | 573018.68422 | 573018.68422 | 1660053.0692000003 | 1660053.0692000003 | 20358721.079468198 Portefeuille brut | 22279445 | 1379034.11777 | 15312382.763147477 | 11608017 | 33371415.672019996 | 39251560.03829001 | 123201854.59122749 | 4855564.40193 | 4855564.40193 | 610585 | 610585 | 128668003.99315749 Provisions pour créances douteuses | 1039373.4 | 643865.7403 | 209168.15832651197 | 76083 | 1259572.75679 | 514777.13387 | 3742840.1892865123 | 173729.11921 | 173729.11921 | 0 | 0 | 3916569.3084965125 Portefeuille de crédit improductif | 5372195.4 | 1097885.9920405059 | 295927.794713266 | 89516 | 584779 | 295626.40215999994 | 7735930.588913772 | 673709.5898300001 | 673709.5898300001 | 0 | 0 | 8409640.178743772 Dépôts US convertis | 29733907.5 | 2647479.7758 | 15933630.70094568 | 19115198 | 63565529.256009325 | 85236515.03145832 | 216232260.26421332 | 4328335.05239 | 4328335.05239 | 3990772 | 3990772 | 224551367.31660333 Immobilisation /A | 0.2939354290668694 | -8.175529203460798 | 0.37994494014289754 | 0.28123916948981237 | 0.3892158116860392 | 0.21695364769597145 | 0.3049712206030489 | 0.8295908386896443 | 0.8295908386896443 | 0.6516812139882481 | 0.6516812139882481 | 0.3204731950230956 Liquidité en % de l'actif | 0.49828304366191334 | 0.6333444414953375 | 0.4159302537357905 | 0.5005153878713342 | 0.45807520907394933 | 0.4542973248360659 | 0.4675258559951292 | 0.13528087339969236 | 0.13528087339969236 | 0.8518729016955355 | 0.8518729016955355 | 0.46659064201149597 Liquidité en % des dépôts | 0.6543156811892786 | 0.7475912099130516 | 0.5405410259466402 | 0.6232928395527029 | 0.5590821169189977 | 0.5362641309799775 | 0.5755026499479476 | 0.2143550106123198 | 0.2143550106123198 | 1.1675154624800828 | 1.1675154624800828 | 0.5779501711210551 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 62173650.92524904 | BNC | 1000000 | UNIBK | 38736782.90442001 | UNIBK | 12099584.207400002 SOGEBK | 48235951.20447999 | BPH | 540000 | SOGEBK | 32111842.915229995 | SOGEBK | 7520866.743490003 BNC | 31706044.36 | BUH | 300000 | BNC | 21240071.6 | BNC | 7356448.9 CAPITALBK | 15029411 | SOGEBK | 0 | BUH | 15103214.604820965 | CAPITALBK | 2859399 BUH | 11679382.552110543 | UNIBK | 0 | CAPITALBK | 11531934 | BUH | 2843166.031988 CBNA | 5325463 | CAPITALBK | 0 | SOGEBL | 4681835.28272 | SOGEBL | 708640.24423 BPH | 2086689.36559 | CBNA | 0 | BPH | 735168.3774700001 | CBNA | 438225 SOGEBL | 1131384.96971 | SOGEBL | 0 | CBNA | 610585 | BPH | -43306.948929999955 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [sysratfinclé.mars 15 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 mars 2015 | 0.07247063166493371 | 0.027728771476712124 | 0.06180543673912304 | 0.08605024373713359 | 0.07199883558162791 | 0.10050115515958631 | 0.08187108182546783 | 0.07303822029155015 | 0.07303822029155015 | 0.051270153771969744 | 0.05017031935932962 | 0.0508153203297936 | 0.07947938312879163 Au 30 septembre 2014 | 0.06796838540129577 | 0.04218862693765788 | 0.05401664579460997 | 0.08422207474774855 | 0.07237646839742816 | 0.09234823297004724 | 0.07772694498976555 | 0.08228067422385213 | 0.08228067422385213 | 0.05211755604279048 | 0.04186627461379778 | 0.04745913901733568 | 0.07583731176248679 Dépôts en % de l'actif Au 31 mars 2015 | 0.7965701684725821 | 0.8450861658054181 | 0.8477810454259005 | 0.8539591780274732 | 0.8227397612852716 | 0.8223934739208267 | 0.8193301710495033 | 0.7182307495598217 | 0.7182307495598217 | 0.7374898371732286 | 0.8666066289754932 | 0.7908857249389082 | 0.8141797460896701 Au 30 septembre 2014 | 0.8049102348717141 | 0.8991910418214983 | 0.8190682252568711 | 0.846743848189124 | 0.7964524086452703 | 0.820737374758488 | 0.8126193084177549 | 0.7226775573836828 | 0.7226775573836828 | 0.781149791357982 | 0.8508874869905574 | 0.8128401971771008 | 0.8100141358999442 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2015 | 0.05587345366272378 | 0.4021111282724963 | 0.024823251362599566 | 0.0064779542679581185 | 0.07264890090241163 | 0.004207954369586466 | 0.04280421588682717 | 0.05546927219093787 | 0.05546927219093787 | 0.03523722497879305 | 0.06571153940084287 | 0.052835138986271006 | 0.04396700004793931 Au 30 septembre 2014 | 0.0451632577446164 | 0.3744852794098769 | 0.02170834704341997 | 0.005863073320905522 | 0.025832544958976522 | 0.000707080986062475 | 0.02606267462400558 | 0.0934457651798687 | 0.0934457651798687 | 0.02138304931574691 | 0.06629814765616104 | 0.040410363509380993 | 0.029963370722775527 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2015 | 0.5362472247283342 | 0.8809161634254901 | 0.8096635787982053 | 1.2256327865155872 | 0.49092749859856877 | 1.440376428785782 | 0.629807228318665 | 0.36906303919177813 | 0.36906303919177813 | 0 | 0.5315905361625738 | 0.43124496373892024 | 0.6007773749138591 Au 30 septembre 2014 | 0.49468245311523407 | 0.8011886957956316 | 0.47717585861117334 | 0.9720430780790182 | 1.0276485580418497 | 6.876017715053616 | 0.8262502783034495 | 0.2249315223133197 | 0.2249315223133197 | 0 | 0.575245317582721 | 0.5740039733676976 | 0.7208190919894542 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2015 | 0.07963858758031334 | 0.7504594042992615 | 0.03581428515696819 | -0.007687063071368211 | 0.188005634656849 | -0.007028156754006801 | 0.06690149418244275 | 0.25844036233846057 | 0.25844036233846057 | 0.11136833821367445 | 0.23368445357131612 | 0.1613097669741492 | 0.07660504691880167 Au 30 septembre 2014 | 0.08659154240605196 | 0.7886264095898836 | 0.09699984036112431 | 0.0008848680625055738 | -0.0037004596736536052 | -0.017201643201620008 | 0.020789706870557468 | 0.5047450446433835 | 0.5047450446433835 | 0.0010879331435313985 | 0.2550943640437804 | 0.10291175240213898 | 0.03951833562084474 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2015 (janvier - mars 2015) | 0.015771217285552638 | -0.011718490495650026 | 0.02189202604528634 | 0.029669980927950295 | 0.013177200501023138 | 0.02851417645806862 | 0.01812660270793836 | 0.01431913067201819 | 0.01431913067201819 | 0.010919804465693095 | 0.009830761238872016 | 0.010429351598012913 | 0.01749756367008322 TRIM 2 2014 (janvier - mars 2014) | 0.009550026160036789 | -0.00937151040711154 | -0.01047850009389995 | 0.01942826359963237 | 0.0069249591431309 | 0.02906011203983928 | 0.015072541408737011 | 0.014940139508983591 | 0.014940139508983591 | 0.00258578103666161 | 0.006340200146581622 | 0.004575176685514103 | 0.01440365359604406 CUMUL 2015 (octobre 2014 - mars 2015) | 0.015722305767765257 | -0.006994419762272569 | 0.01655039275990244 | 0.027189381610516913 | 0.006573622213878641 | 0.025427424271113122 | 0.016770869521095452 | 0.014044399583162195 | 0.014044399583162195 | 0.010383671644038275 | 0.012987982788378516 | 0.0115123490406778 | 0.0163332807226659 CUMUL 2014 (octobre 2013 - mars 2014) | 0.010392318600126956 | -0.00011049232563235361 | -0.0017190810050276254 | 0.020416866742206986 | 0.007683980059401221 | 0.023732268852096464 | 0.014237955481915303 | 0.012544878255944603 | 0.012544878255944603 | 0.009466201696793046 | 0.004563175784588311 | 0.006920080730948116 | 0.013736288290721512 ROE (rendement de l'avoir des actionn.) TRIM 2 2015 (janvier - mars 2015) | 0.2148309985332163 | -0.34447499706359874 | 0.3902456962425636 | 0.3424225150801011 | 0.09332790747403555 | 0.28692960027358755 | 0.2219384112789202 | 0.18647133528335247 | 0.18647133528335247 | 0.19601651869292486 | 0.2082144481083267 | 0.2010155624095763 | 0.21995443223836547 TRIM 2 2014 (janvier - mars 2014) | 0.14400119978241888 | -0.1652853779774771 | -0.21895151492264497 | 0.23374718621826626 | 0.09332131407675243 | 0.30152666612404816 | 0.19040952476323533 | 0.15034044954381628 | 0.15034044954381628 | 0.05264348062050563 | 0.14411292835343134 | 0.09776919764631971 | 0.18559614577682676 CUMUL 2015 (octobre 2014 - mars 2015) | 0.2238334899670998 | -0.19971467015041114 | 0.2842697153789087 | 0.31934651678817877 | 0.09106451567250241 | 0.26332203961987033 | 0.21006263810893278 | 0.18154629478900217 | 0.18154629478900217 | 0.20097607032809997 | 0.2826919736400284 | 0.23405626820651934 | 0.21022029610279883 CUMUL 2014 (octobre 2013 - mars 2014) | 0.1622093922262499 | -0.0019287445616628198 | -0.03562488251347787 | 0.24932516566962185 | 0.10553131359326963 | 0.2546154279463448 | 0.1847190814751632 | 0.12874114169093442 | 0.12874114169093442 | 0.20021388019563746 | 0.10159845832024336 | 0.15026839386683535 | 0.18157746446154233 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2015 (janvier - mars 2015) | 0.9005576885014279 | 0.7835357038234821 | 0.8773262362716712 | 0.8970324064094273 | 0.8437572088069144 | 0.8605594894130195 | 0.8693153225839981 | 0.6715630893517912 | 0.6715630893517912 | 0.8191849245090249 | 0.9909694032653207 | 0.9152811956065062 | 0.8622108536439683 TRIM 2 2014 (janvier - mars 2014) | 0.9275181879691887 | 0.8849406075636684 | 0.9558343093531831 | 0.9250555286068064 | 0.8914698084362648 | 0.9176759708156087 | 0.9135287019121052 | 0.654392189650229 | 0.654392189650229 | 0.9526254762299156 | 0.9842648644166183 | 0.9706954936181297 | 0.9044015282494487 CUMUL 2015 (octobre 2014 - mars 2015) | 0.9168421191148936 | 0.8294835573049971 | 0.8771046489371048 | 0.9004461059190031 | 0.843384832148663 | 0.8688142710171971 | 0.8761817518373888 | 0.6653262338271715 | 0.6653262338271715 | 0.8425549370055669 | 0.9920968164231064 | 0.9243876294786891 | 0.8688242662463537 CUMUL 2014 (octobre 2013 - mars 2014) | 0.9298947937296947 | 0.9146926870998514 | 0.9569567994675174 | 0.9267938546864883 | 0.8985916078609463 | 0.918049737557435 | 0.9174321777303901 | 0.6668892755893672 | 0.6668892755893672 | 0.9348980592727527 | 0.983288420964676 | 0.96262275069267 | 0.9089097572852997 Rendement moyen des prêts TRIM 2 2015 (janvier - mars 2015) | 0.08014122111136185 | 0.06375459471796402 | 0.13721693394874832 | 0.14291273222458248 | 0.07852558175200942 | 0.08913569468213382 | 0.09050205540241044 | 0.09581578751511748 | 0.09581578751511748 | 0.08097774192729293 | 0.10208484805220962 | 0.09280254412347289 | 0.09088527735135987 TRIM 2 2014 (janvier - mars 2014) | 0.07507806082782871 | 0.07374185322572759 | 0.12037614990826055 | 0.12311582048763477 | 0.06555533111522362 | 0.06757127871773796 | 0.0745961555557843 | 0.08248622996883509 | 0.08248622996883509 | 0.08787875098910464 | 0.08200135748986842 | 0.08443857294228052 | 0.07554203671422424 CUMUL 2015 (octobre 2014 - mars 2015) | 0.07902185796682366 | 0.06955999263717605 | 0.12624161510146545 | 0.1390160393053372 | 0.07665401473538323 | 0.08647007285340168 | 0.08795458579400549 | 0.09018348173085504 | 0.09018348173085504 | 0.08957392392126914 | 0.0923348278155562 | 0.09120922810768992 | 0.08823478059740207 CUMUL 2014 (octobre 2013 - mars 2014) | 0.0757323559560027 | 0.08571300956119571 | 0.13820232406247224 | 0.12241812321290707 | 0.06734761526219836 | 0.06739640737751931 | 0.07589646533700663 | 0.07876580744499925 | 0.07876580744499925 | 0.09829059089116235 | 0.08162443781371893 | 0.0880343086983738 | 0.07672845239347538 Rendement moyen des prêts productifs TRIM 2 2015 (janvier - mars 2015) | 0.08460459349616214 | 0.10837141647838269 | 0.14099188246762118 | 0.14433090882683236 | 0.0843579070792618 | 0.08941953736472633 | 0.09441838668696859 | 0.10362689899106994 | 0.10362689899106994 | 0.08233864026440688 | 0.10927815868376753 | 0.09708861835908389 | 0.09499583644792464 TRIM 2 2014 (janvier - mars 2014) | 0.07942183742135307 | 0.10387979225175298 | 0.1269040022406348 | 0.1238550402818438 | 0.07011200592210948 | 0.0677775999605375 | 0.07782785233866715 | 0.0919243803448651 | 0.0919243803448651 | 0.08787875098910464 | 0.08919161422469289 | 0.08862023995619532 | 0.07906488003982544 CUMUL 2015 (octobre 2014 - mars 2015) | 0.08319647187828108 | 0.1136571966294598 | 0.12926658575812594 | 0.13987927943444528 | 0.0806128008663464 | 0.0866880631952826 | 0.09109325728701388 | 0.09737003385204082 | 0.09737003385204082 | 0.09127183149939674 | 0.0988605600324375 | 0.09567556478819104 | 0.09162460912361743 CUMUL 2014 (octobre 2013 - mars 2014) | 0.07868543477135646 | 0.12739628935586172 | 0.15149804601874925 | 0.12325561729986595 | 0.07019898197011834 | 0.06757347774823672 | 0.07841849230362784 | 0.08618601807677369 | 0.08618601807677369 | 0.09927320802758871 | 0.08836895877246174 | 0.09274337932141483 | 0.07955890038319643 Rémunération moyenne des dépôts TRIM 2 2015 (janvier - mars 2015) | 0.0046400941015979965 | 0.007748183609675617 | 0.009131273363631998 | 0.008285668015601303 | 0.007088097333734551 | 0.006488947650281016 | 0.0063357175715063 | 0.026954063463130843 | 0.026954063463130843 | 0.006040902767558744 | 0.00039749245231689395 | 0.0032713867658228928 | 0.0067244069978214015 TRIM 2 2014 (janvier - mars 2014) | 0.0022281779553125084 | 0.004873067972453534 | 0.0024552460812381103 | 0.005044900126702525 | 0.004229886272634966 | 0.002524481197700391 | 0.0031572463727636995 | 0.030359850224953095 | 0.030359850224953095 | 0.0015911492785004994 | 0.0006242919268011547 | 0.0010787871490298136 | 0.003594420053189268 CUMUL 2015 (octobre 2014 - mars 2015) | 0.0034943575324100653 | 0.006863873814266455 | 0.008973282838674773 | 0.007801757700112297 | 0.006838100491900367 | 0.005584533847570773 | 0.0057151276952245875 | 0.026604089602874154 | 0.026604089602874154 | 0.004673931195724783 | 0.0003272340979536125 | 0.002656011182498622 | 0.006076782883194255 CUMUL 2014 (octobre 2013 - mars 2014) | 0.0022449950692803684 | 0.0042814983409671875 | 0.0026147942766082534 | 0.0048765385202920895 | 0.003948125682052602 | 0.0025049786252711137 | 0.0030517693627513253 | 0.027269274855116724 | 0.027269274855116724 | 0.0021762948743712 | 0.0006675822975115974 | 0.001378342642276887 | 0.003451006046199966 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2015 (janvier - mars 2015) | 0.5834969190824814 | 1.0015282455830778 | 0.6943413201356983 | 0.624852681889279 | 0.7263893534775501 | 0.5302681128545018 | 0.6186248944314731 | 0.5100077268799373 | 0.5100077268799373 | 0.5973815859499734 | 0.8030953702139979 | 0.6938105039355831 | 0.6204133921481786 TRIM 2 2014 (janvier - mars 2014) | 0.7023338620043865 | 0.8347920738778455 | 1.103823405632522 | 0.7171561782595318 | 0.7316862155091262 | 0.5215869819847087 | 0.6613419425031223 | 0.57742053302737 | 0.57742053302737 | 0.4939800359542057 | 0.8511851142889314 | 0.6570822622107969 | 0.6590814416023064 CUMUL 2015 (octobre 2014 - mars 2015) | 0.5878158441396769 | 0.8667964923658741 | 0.7577607547488461 | 0.6414839505499529 | 0.7304371384551767 | 0.5430093855573692 | 0.6301172312128893 | 0.5227656089590222 | 0.5227656089590222 | 0.6339319434485854 | 0.7207171568940216 | 0.6740044368369418 | 0.6301382099059023 CUMUL 2014 (octobre 2013 - mars 2014) | 0.6651584146224413 | 0.7890901515774374 | 0.9672494283562587 | 0.7041927036898277 | 0.7145745663899689 | 0.5574014052117194 | 0.6600151750246959 | 0.60593923064633 | 0.60593923064633 | 0.65577319524936 | 0.8557758910017924 | 0.7477601156069364 | 0.6642321984245352 Productivité par employé ('000) TRIM 2 2015 (janvier - mars 2015) | 3203.7135947704282 | 788.8915745337622 | 2973.715624130757 | 2379.8926919518963 | 2107.8867167560134 | 3576.556950563193 | 2707.939282952228 | 4231.654105693432 | 4231.654105693432 | 11387.878787878788 | 3878.2690058479534 | 5969.552742616033 | 2822.1096888896473 TRIM 2 2014 (janvier - mars 2014) | 2343.8794197685947 | 1023.7078198601398 | 1710.791587469965 | 2030.1741741741741 | 2058.8034931017014 | 3322.5586378857956 | 2387.7631481223266 | 3691.8160024427475 | 3691.8160024427475 | 8672 | 3140.243093922652 | 4806.177606177606 | 2485.3635727736846 CUMUL 2015 (octobre 2014 - mars 2015) | 2961.7310002784225 | 958.372933762058 | 2625.0698114208585 | 2306.8159111933396 | 2094.6891618995182 | 3465.3254137265417 | 2614.368750958807 | 4047.744225588236 | 4047.744225588236 | 10907.522388059702 | 3562.0454545454545 | 5587.341563786008 | 2721.1640312925224 CUMUL 2014 (octobre 2013 - mars 2014) | 2476.6595885194374 | 1133.4299763380282 | 1800.4817211858658 | 1996.516 | 2001.2136067905283 | 3066.824764128181 | 2323.7690570086183 | 3521.20250944 | 3521.20250944 | 8654.78947368421 | 3111.9777777777776 | 4757.5 | 2418.6504792777387 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclédéc. 14] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 décembre 2014 | 0.07441205680857094 | 0.03993976408896387 | 0.05017527200186265 | 0.08723395617280141 | 0.0730820017315578 | 0.09817257959842662 | 0.08146991825074841 | 0.08074868884627064 | 0.08074868884627064 | 0.06134703578292764 | 0.04446904811824284 | 0.0530609958051227 | 0.07962523715001245 Au 30 septembre 2014 | 0.06796838540129577 | 0.04218862693765788 | 0.05401664579460997 | 0.08422207474774855 | 0.07237646839742816 | 0.09234823297004724 | 0.07772694498976555 | 0.08228067422385213 | 0.08228067422385213 | 0.05211755604279048 | 0.04186627461379778 | 0.04745913901733568 | 0.07583731176248679 Dépôts en % de l'actif Au 31 décembre 2014 | 0.789876541541452 | 0.8996605861182448 | 0.8340567125343711 | 0.8460375587464395 | 0.8067755355220966 | 0.8379993245123369 | 0.8184297896726818 | 0.7434230048656452 | 0.7434230048656452 | 0.7213813935820159 | 0.8520487367946366 | 0.785530914909063 | 0.813965655305315 Au 30 septembre 2014 | 0.8049102348717141 | 0.8991910418214983 | 0.8190682252568711 | 0.846743848189124 | 0.7964524086452703 | 0.820737374758488 | 0.8126193084177549 | 0.7226775573836828 | 0.7226775573836828 | 0.781149791357982 | 0.8508874869905574 | 0.8128401971771008 | 0.8100141358999442 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2014 | 0.04983087713195972 | 0.4214990426151619 | 0.029074616878273264 | 0.013055971452746357 | 0.06572007729066545 | 0.0021438281630590567 | 0.040173999507431155 | 0.09568204667475882 | 0.09568204667475882 | 1.3896740547298112e-05 | 0.06594121967427166 | 0.03586517043126149 | 0.04258603176072046 Au 30 septembre 2014 | 0.0451632577446164 | 0.3744852794098769 | 0.02170834704341997 | 0.005863073320905522 | 0.025832544958976522 | 0.000707080986062475 | 0.02606267462400558 | 0.0934457651798687 | 0.0934457651798687 | 0.02138304931574691 | 0.06629814765616104 | 0.040410363509380993 | 0.029963370722775527 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2014 | 0.5355822040631438 | 0.7821049285679624 | 0.46314330202924026 | 0.5196324481865285 | 0.4694713466802863 | 2.520557549197176 | 0.5914399632072127 | 0.20260584372392962 | 0.20260584372392962 | 0 | 0.571503330834618 | 0.572116438404593 | 0.5488372896692973 Au 30 septembre 2014 | 0.49468245311523407 | 0.8011886957956316 | 0.47717585861117334 | 0.9720430780790182 | 1.0276485580418497 | 6.876017715053616 | 0.8262502783034495 | 0.2249315223133197 | 0.2249315223133197 | 0 | 0.575245317582721 | 0.5740039733676976 | 0.7208190919894542 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2014 | 0.07841313225111914 | 0.9211558806144916 | 0.1282698216351657 | 0.03313749253031158 | 0.17811709151512586 | -0.013600623566944844 | 0.07330396164272232 | 0.5272138538479961 | 0.5272138538479961 | -0.00019478439161914524 | 0.22214482381882908 | 0.09128510530460046 | 0.08851962525473347 Au 30 septembre 2014 | 0.08659154240605196 | 0.7886264095898836 | 0.09699984036112431 | 0.0008848680625055738 | -0.0037004596736536052 | -0.017201643201620008 | 0.020789706870557468 | 0.5047450446433835 | 0.5047450446433835 | 0.0010879331435313985 | 0.2550943640437804 | 0.10291175240213898 | 0.03951833562084474 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2015 (octobre - décembre 2014) | 0.016470933010890653 | -0.001951670391605816 | 0.010095770779749144 | 0.02408448914253806 | 0.0015255543790796862 | 0.023142508115749857 | 0.015672792231134165 | 0.01361901930599662 | 0.01361901930599662 | 0.01169901345150116 | 0.01537382482011807 | 0.013434704520544542 | 0.01546411314207231 TRIM 1 2014 (octobre - décembre 2013) | 0.011387712449046601 | 0.00970036237782878 | 0.007493397642653624 | 0.021758465159254312 | 0.008475184410803225 | 0.019090549750373605 | 0.013630126985895044 | 0.010668567610105564 | 0.010668567610105564 | 0.01639782450801162 | 0.002683317805306131 | 0.009217103359502748 | 0.013276041832199022 CUMUL 2015 (octobre - décembre 2014) | 0.016470933010890653 | -0.001951670391605816 | 0.010095770779749144 | 0.02408448914253806 | 0.006286571401482859 | 0.023142508115749857 | 0.015672792231134165 | 0.01361901930599662 | 0.01361901930599662 | 0.01169901345150116 | 0.01537382482011807 | 0.013434704520544542 | 0.01546411314207231 CUMUL 2014 (octobre - décembre 2013) | 0.011387712449046601 | 0.00970036237782878 | 0.007493397642653624 | 0.021758465159254312 | 0.008475184410803225 | 0.019090549750373605 | 0.013630126985895044 | 0.010668567610105564 | 0.010668567610105564 | 0.01639782450801162 | 0.002683317805306131 | 0.009217103359502748 | 0.013276041832199022 ROE (rendement de l'avoir des actionn.) TRIM 1 2015 (octobre - décembre 2014) | 0.2315793529056202 | -0.0475551690771147 | 0.1942292967368062 | 0.28087305594538503 | 0.08643382802861463 | 0.24294107437720838 | 0.19689362270678626 | 0.1671341958642693 | 0.1671341958642693 | 0.2071284996505121 | 0.35593863763550665 | 0.2675971105186 | 0.19893953676457948 TRIM 1 2014 (octobre - décembre 2013) | 0.17442378619369847 | 0.1368176887755292 | 0.19811700561928142 | 0.2536030774536783 | 0.11304511849889846 | 0.20833878233276 | 0.17556444039223193 | 0.09995419581255574 | 0.09995419581255574 | 0.35321969316350277 | 0.06190427509111674 | 0.20568167323445763 | 0.17413231688383354 CUMUL 2015 (octobre - décembre 2014) | 0.2315793529056202 | -0.0475551690771147 | 0.1942292967368062 | 0.28087305594538503 | 0.08643382802861463 | 0.24294107437720838 | 0.19689362270678626 | 0.1671341958642693 | 0.1671341958642693 | 0.2071284996505121 | 0.35593863763550665 | 0.2675971105186 | 0.19893953676457948 CUMUL 2014 (octobre - décembre 2013) | 0.17442378619369847 | 0.1368176887755292 | 0.19811700561928142 | 0.2536030774536783 | 0.11304511849889846 | 0.20833878233276 | 0.17556444039223193 | 0.09995419581255574 | 0.09995419581255574 | 0.35321969316350277 | 0.06190427509111674 | 0.20568167323445763 | 0.17413231688383354 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2015 (octobre - décembre 2014) | 0.9358961032910945 | 0.8678200847266458 | 0.8768398236165976 | 0.9041481596924595 | 0.8429875049290583 | 0.878227415052921 | 0.8838481446765848 | 0.657919984246384 | 0.657919984246384 | 0.8674903100775194 | 0.9934324816745053 | 0.9346759792952238 | 0.8762337052957054 TRIM 1 2014 (octobre - décembre 2013) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787 CUMUL 2015 (octobre - décembre 2014) | 0.9358961032910945 | 0.8678200847266458 | 0.8768398236165976 | 0.9041481596924595 | 0.8429875049290583 | 0.878227415052921 | 0.8838481446765848 | 0.657919984246384 | 0.657919984246384 | 0.8674903100775194 | 0.9934324816745053 | 0.9346759792952238 | 0.8762337052957054 CUMUL 2014 (octobre - décembre 2013) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787 Rendement moyen des prêts TRIM 1 2015 (octobre - décembre 2014) | 0.0781106184265364 | 0.07826274145053977 | 0.12499577666655098 | 0.1297578070847183 | 0.07316768577596995 | 0.08062100035400316 | 0.08374456373243996 | 0.08307454208604771 | 0.08307454208604771 | 0.08301721033661362 | 0.08528610727140844 | 0.08432080014856397 | 0.08374409900710626 TRIM 1 2014 (octobre - décembre 2013) | 0.07721920699660453 | 0.09801663881842673 | 0.15108256609386136 | 0.12190998562608332 | 0.06735793384432334 | 0.06835789742458313 | 0.07703839754839649 | 0.07539407605136633 | 0.07539407605136633 | 0.09080896225724018 | 0.08148451085304642 | 0.08522287034194406 | 0.07745934767528559 CUMUL 2015 (octobre - décembre 2014) | 0.0781106184265364 | 0.07826274145053977 | 0.12499577666655098 | 0.1297578070847183 | 0.07316768577596995 | 0.08062100035400316 | 0.08374456373243996 | 0.08307454208604771 | 0.08307454208604771 | 0.08301721033661362 | 0.08528610727140844 | 0.08432080014856397 | 0.08374409900710626 CUMUL 2014 (octobre - décembre 2013) | 0.07721920699660453 | 0.09801663881842673 | 0.15108256609386136 | 0.12190998562608332 | 0.06735793384432334 | 0.06835789742458313 | 0.07703839754839649 | 0.07539407605136633 | 0.07539407605136633 | 0.09080896225724018 | 0.08148451085304642 | 0.08522287034194406 | 0.07745934767528559 Rendement moyen des prêts productifs TRIM 1 2015 (octobre - décembre 2014) | 0.08199927183078884 | 0.12983421517045293 | 0.12825455562102683 | 0.13100674551943675 | 0.07669023881662139 | 0.08073807237387845 | 0.08661982288680235 | 0.09175362898054147 | 0.09175362898054147 | 0.08303091939280806 | 0.09132482994568081 | 0.0876571534449779 | 0.0869034095123229 TRIM 1 2014 (octobre - décembre 2013) | 0.08025498101951589 | 0.14050721769351976 | 0.16861651029446265 | 0.12265043180290054 | 0.06970576506449203 | 0.06851400207997296 | 0.0793940056257403 | 0.08265813527234372 | 0.08265813527234372 | 0.09166195627883743 | 0.08907736199682834 | 0.09016344769433494 | 0.08015318107111846 CUMUL 2015 (octobre - décembre 2014) | 0.08199927183078884 | 0.12983421517045293 | 0.12825455562102683 | 0.13100674551943675 | 0.07669023881662139 | 0.08073807237387845 | 0.08661982288680235 | 0.09175362898054147 | 0.09175362898054147 | 0.08303091939280806 | 0.09132482994568081 | 0.0876571534449779 | 0.0869034095123229 CUMUL 2014 (octobre - décembre 2013) | 0.08025498101951589 | 0.14050721769351976 | 0.16861651029446265 | 0.12265043180290054 | 0.06970576506449203 | 0.06851400207997296 | 0.0793940056257403 | 0.08265813527234372 | 0.08265813527234372 | 0.09166195627883743 | 0.08907736199682834 | 0.09016344769433494 | 0.08015318107111846 Rémunération moyenne des dépôts TRIM 1 2015 (octobre - décembre 2014) | 0.0025679553575070108 | 0.005458427193161488 | 0.008433567502497975 | 0.007177425283940282 | 0.006675718741296617 | 0.00496942012998257 | 0.005160014841889107 | 0.025115829213238662 | 0.025115829213238662 | 0.004321399975588436 | 0.00024192846643496162 | 0.0022691903623009747 | 0.005519081124652305 TRIM 1 2014 (octobre - décembre 2013) | 0.002295673142484845 | 0.0036081845241800036 | 0.0027199562772000562 | 0.004796879864895094 | 0.003787217330949664 | 0.0025519884047612218 | 0.003014085731006229 | 0.02634266011305105 | 0.02634266011305105 | 0.0027664450048672435 | 0.0007039502195868499 | 0.0016731684412745497 | 0.0033816860315593737 CUMUL 2015 (octobre - décembre 2014) | 0.0025679553575070108 | 0.005458427193161488 | 0.008433567502497975 | 0.007177425283940282 | 0.006675718741296617 | 0.00496942012998257 | 0.005160014841889107 | 0.025115829213238662 | 0.025115829213238662 | 0.004321399975588436 | 0.00024192846643496162 | 0.0022691903623009747 | 0.005519081124652305 CUMUL 2014 (octobre - décembre 2013) | 0.002295673142484845 | 0.0036081845241800036 | 0.0027199562772000562 | 0.004796879864895094 | 0.003787217330949664 | 0.0025519884047612218 | 0.003014085731006229 | 0.02634266011305105 | 0.02634266011305105 | 0.0027664450048672435 | 0.0007039502195868499 | 0.0016731684412745497 | 0.0033816860315593737 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2015 (octobre - décembre 2014) | 0.5928352406662976 | 0.772556708383314 | 0.8411080941344378 | 0.6592034031951337 | 0.7345476247940883 | 0.5568107258704648 | 0.6425064871647371 | 0.5369549882152468 | 0.5369549882152468 | 0.6726234070602022 | 0.6282235345107813 | 0.6524605893605112 | 0.6406351572538673 TRIM 1 2014 (octobre - décembre 2013) | 0.6317138116692779 | 0.7509695481684964 | 0.8448000174817397 | 0.6908118936041138 | 0.6962024059357329 | 0.5996017704148225 | 0.6586076801595496 | 0.6407095504993805 | 0.6407095504993805 | 0.8270099763421748 | 0.860503543940514 | 0.842530897367007 | 0.6697082527283046 CUMUL 2015 (octobre - décembre 2014) | 0.5928352406662976 | 0.772556708383314 | 0.8411080941344378 | 0.6592034031951337 | 0.7345476247940883 | 0.5568107258704648 | 0.6425064871647371 | 0.5369549882152468 | 0.5369549882152468 | 0.6726234070602022 | 0.6282235345107813 | 0.6524605893605112 | 0.6406351572538673 CUMUL 2014 (octobre - décembre 2013) | 0.6317138116692779 | 0.7509695481684964 | 0.8448000174817397 | 0.6908118936041138 | 0.6962024059357329 | 0.5996017704148225 | 0.6586076801595496 | 0.6407095504993805 | 0.6407095504993805 | 0.8270099763421748 | 0.860503543940514 | 0.842530897367007 | 0.6697082527283046 Productivité par employé ('000) TRIM 1 2015 (octobre - décembre 2014) | 2720.6331777572964 | 1131.492532645161 | 2262.7160623588925 | 2273.7024482109227 | 2080.0217159779613 | 3337.3646922097714 | 2522.0169709428046 | 3861.109754666667 | 3861.109754666667 | 10923.2 | 3375.177142857143 | 5419.433333333333 | 2624.288180558359 TRIM 1 2014 (octobre - décembre 2013) | 2743.663000104438 | 1235.9429228169013 | 1848.214591063652 | 1978.7391742195368 | 1957.9411122838135 | 2882.3456561890976 | 2297.7840416091813 | 3198.9736374193544 | 3198.9736374193544 | 8409.368421052632 | 3049.3259668508285 | 4634.396887159533 | 2386.816168007544 CUMUL 2015 (octobre - décembre 2014) | 2720.6331777572964 | 1131.492532645161 | 2262.7160623588925 | 2273.7024482109227 | 2080.0217159779613 | 3337.3646922097714 | 2522.0169709428046 | 3861.109754666667 | 3861.109754666667 | 10923.2 | 3375.177142857143 | 5419.433333333333 | 2624.288180558359 CUMUL 2014 (octobre - décembre 2013) | 2743.663000104438 | 1235.9429228169013 | 1848.214591063652 | 1978.7391742195368 | 1957.9411122838135 | 2882.3456561890976 | 2297.7840416091813 | 3198.9736374193544 | 3198.9736374193544 | 8409.368421052632 | 3049.3259668508285 | 4634.396887159533 | 2386.816168007544 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclésept. 14 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 septembre 2014 | 0.06796838540129577 | 0.04218862693765788 | 0.05401664579460997 | 0.08422207474774855 | 0.07237646839742816 | 0.09234823297004724 | 0.07772694498976555 | 0.08228067422385213 | 0.08228067422385213 | 0.05211755604279048 | 0.04186627461379778 | 0.04745913901733568 | 0.07583731176248679 Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622 Dépôts en % de l'actif Au 30 septembre 2014 | 0.8049102348717141 | 0.8991910418214983 | 0.8190682252568711 | 0.846743848189124 | 0.7964524086452703 | 0.820737374758488 | 0.8126193084177549 | 0.7226775573836828 | 0.7226775573836828 | 0.781149791357982 | 0.8508874869905574 | 0.8128401971771008 | 0.8100141358999442 Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 septembre 2014 | 0.0451632577446164 | 0.3744852794098769 | 0.02170834704341997 | 0.005863073320905522 | 0.025832544958976522 | 0.000707080986062475 | 0.02606267462400558 | 0.0934457651798687 | 0.0934457651798687 | 0.0003530517210407771 | 0.06629814765616104 | 0.040410363509380993 | 0.029963370722775527 Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 septembre 2014 | 0.49468245311523407 | 0.8011886957956316 | 0.47717585861117334 | 0.9720430780790182 | 1.0276485580418497 | 6.876017715053616 | 0.8262502783034495 | 0.2249315223133197 | 0.2249315223133197 | 0 | 0.575245317582721 | 0.5740039733676976 | 0.7208190919894542 Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 septembre 2014 | 0.08659154240605196 | 0.7886264095898836 | 0.09699984036112431 | 0.0008848680625055738 | -0.0037004596736536052 | -0.017201643201620008 | 0.020789706870557468 | 0.5047450446433835 | 0.5047450446433835 | 0.0010879331435313985 | 0.2550943640437804 | 0.10291175240213898 | 0.03951833562084474 Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871 RENTABILITÉ ROA (rendement de l'actif) TRIM 4 2014 (juillet - septembre 2014) | 0.004504436339437025 | 0.002855833419768662 | 0.009968332455238592 | 0.02125431884266389 | 0.011141491921435145 | 0.03240178640088492 | 0.01701062280447699 | 0.010782537021730522 | 0.010782537021730522 | 0.004983576342994076 | -0.004709689773443081 | 0.0004731436626041405 | 0.01573201148388411 TRIM 4 2013 (juillet - septembre 2013) | 0.0097 | -0.0041 | 0.0461 | 0.0168 | 0.0106 | 0.0327 | 0.0188 | 0.0162 | 0.0162 | -0.0097 | -0.0135 | -0.0116 | 0.0166 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.009402594767414332 | -0.001913737079623673 | 0.002118585548914055 | 0.021077083666040275 | 0.009138060571334029 | 0.02771575027492474 | 0.015845491087009344 | 0.011331509113639653 | 0.011331509113639653 | 0.022338398949436355 | -0.0013401712624093896 | 0.010838546070714756 | 0.015398337683709466 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.0104 | 0.0129 | 0.0106 | 0.0197 | 0.0107 | 0.024 | 0.0157 | 0.013 | 0.013 | -0.0003 | 0.0147 | 0.0072 | 0.0151 ROE (rendement de l'avoir des actionn.) TRIM 4 2014 (juillet - septembre 2014) | 0.0660981743172076 | 0.07056267018068657 | 0.1819657346248714 | 0.25166098313439694 | 0.153272882144854 | 0.3502657279145414 | 0.21860833238901453 | 0.12799582534765128 | 0.12799582534765128 | 0.09097334739726623 | -0.11066834480013193 | 0.00963776472630021 | 0.20675602610719573 TRIM 4 2013 (juillet - septembre 2013) | 0.1519 | -0.0917 | 1.3792 | 0.207 | 0.148 | 0.3768 | 0.2541 | 0.1575 | 0.1575 | -0.2394 | -0.2969 | -0.2698 | 0.2394 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.1433879248856003 | -0.03405846491251682 | 0.04525205232551107 | 0.24980219847954527 | 0.1252800978873477 | 0.30630635045938825 | 0.20664954889912238 | 0.12333932071595143 | 0.12333932071595143 | 0.4570828276973791 | -0.031128200255743293 | 0.23538578805679017 | 0.20507592021219445 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.179 | 0.307 | -1.0524 | 0.24 | 0.1545 | 0.283 | 0.2242 | 0.1283 | 0.1283 | -0.0062 | 0.3442 | 0.1673 | 0.2186 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 4 2014 (juillet - septembre 2014) | 0.9398676031109472 | 0.8858420671691244 | 0.928805278982118 | 0.9095752680086794 | 0.8447126831619745 | 0.8624726962147817 | 0.8839197217559494 | 0.6004208265230057 | 0.6004208265230057 | 0.8393159021751381 | 0.9786021460481817 | 0.9193227330503394 | 0.8710573464584173 TRIM 4 2013 (juillet - septembre 2013) | 0.9583423729410312 | 0.9000395790436512 | 0.9547625252836981 | 0.9329728200845837 | 0.9063832032694609 | 0.9228542369339289 | 0.9291457891278633 | 0.7970790586090167 | 0.7970790586090167 | 0.9251265804882188 | 0.9788375067035189 | 0.9561877497465259 | 0.9248008658363653 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.9346877432175572 | 0.9098120276371312 | 0.9460195238763798 | 0.9205588404583748 | 0.877635283056174 | 0.881525356991579 | 0.9001839571164845 | 0.6343436522959987 | 0.6343436522959987 | 0.9119244277916934 | 0.9815569711312906 | 0.9515909192142655 | 0.8906179363218174 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.9601693890259704 | 0.9368919507076952 | 0.9574256284489606 | 0.9386604559198135 | 0.9074444603777176 | 0.9378471045777851 | 0.9344396834997565 | 0.7861788355736378 | 0.7861788355736378 | 0.928615595015531 | 0.9791577175618693 | 0.9601541537544207 | 0.9295607228943829 Rendement moyen des prêts TRIM 4 2014 (juillet - septembre 2014) | 0.07907395176079653 | 0.06465529767455018 | 0.11824747183414595 | 0.12999999908410456 | 0.07199439277607839 | 0.07866026427487564 | 0.08233830348886749 | 0.08878893848420943 | 0.08878893848420943 | 0.09533439944863532 | 0.08099529742201259 | 0.08640641107090946 | 0.08286227995797024 TRIM 4 2013 (juillet - septembre 2013) | 0.0834 | 0.0752 | 0.1471 | 0.1206 | 0.0642 | 0.0688 | 0.0764 | 0.0904 | 0.0904 | 0.0937 | 0.0833 | 0.0873 | 0.0777 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.07388363719790912 | 0.08010018886855656 | 0.12701144854886312 | 0.12750818336585298 | 0.07221575036261622 | 0.07124952630104844 | 0.07877198896851155 | 0.082557802290236 | 0.082557802290236 | 0.10182490311925643 | 0.0829999421085822 | 0.09016982254114234 | 0.07956504360669436 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.0886 | 0.0966 | 0.1347 | 0.1212 | 0.0636 | 0.0638 | 0.0754 | 0.0885 | 0.0885 | 0.087 | 0.0985 | 0.094 | 0.0771 Rendement moyen des prêts productifs TRIM 4 2014 (juillet - septembre 2014) | 0.08220414482690334 | 0.09942812841778843 | 0.1204467433181131 | 0.1309051013272788 | 0.07441761497089962 | 0.07881357054495323 | 0.08464201091069311 | 0.09850483922809175 | 0.09850483922809175 | 0.09535188977576595 | 0.08670521442823137 | 0.09010732410183606 | 0.08554122063711722 TRIM 4 2013 (juillet - septembre 2013) | 0.0853 | 0.1074 | 0.1602 | 0.1215 | 0.0656 | 0.0689 | 0.0782 | 0.0976 | 0.0976 | 0.0946 | 0.0913 | 0.0927 | 0.0798 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.07647188275185553 | 0.12453649692041639 | 0.13670346608427125 | 0.1283215064777489 | 0.07348336615279534 | 0.07133822630024861 | 0.0806443526706825 | 0.09001886891409101 | 0.09001886891409101 | 0.10290021883855494 | 0.08960208919037671 | 0.09487559457022172 | 0.08179737992803453 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.0905 | 0.143 | 0.1477 | 0.122 | 0.0644 | 0.0639 | 0.0769 | 0.0946 | 0.0946 | 0.0878 | 0.1099 | 0.1007 | 0.0791 Rémunération moyenne des dépôts TRIM 4 2014 (juillet - septembre 2014) | 0.002280797244357299 | 0.004002059735976259 | 0.004702299606461289 | 0.006828737644815598 | 0.006523005106089453 | 0.005134411295705198 | 0.004912433305153346 | 0.035213393111772844 | 0.035213393111772844 | 0.004351743000693909 | 0.0008297367953460265 | 0.0026427417620906884 | 0.005523714518831194 TRIM 4 2013 (juillet - septembre 2013) | 0.0015 | 0.0049 | 0.0026 | 0.0044 | 0.0034 | 0.0023 | 0.0026 | 0.018 | 0.018 | 0.0022 | 0.0008 | 0.0015 | 0.0028 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.0021957282675551353 | 0.004136318924972395 | 0.0033556219815742113 | 0.005625054054486075 | 0.005048233112163958 | 0.003976522715336909 | 0.0039288702731499585 | 0.030071443498115833 | 0.030071443498115833 | 0.002623494519776049 | 0.0007269498045063902 | 0.0016750619273024974 | 0.004378630147915443 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.0011 | 0.004 | 0.0025 | 0.0041 | 0.0034 | 0.0018 | 0.0023 | 0.0166 | 0.0166 | 0.0022 | 0.0011 | 0.0016 | 0.0025 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 4 2014 (juillet - septembre 2014) | 0.7646124679703716 | 0.7356711444556842 | 1.0632189982968676 | 0.7232397724680854 | 0.6338583142481118 | 0.5014572849478823 | 0.6355778368803148 | 0.5952444596480727 | 0.5952444596480727 | 0.8685680873180873 | 1.2783329063113844 | 1.0641175431684486 | 0.655790623294296 TRIM 4 2013 (juillet - septembre 2013) | 0.7206536751329417 | 0.8080492647218387 | 0.8115984648893941 | 0.7403883807301822 | 0.6944748328100792 | 0.5118765311279985 | 0.6437325788912321 | 0.554560688822761 | 0.554560688822761 | 0.9147307876657613 | 1.6944996042381237 | 1.3319093928069954 | 0.6759956105276037 CUMUL 2014 (octobre 2013 - septembre 2014) | 0.6765288207359405 | 0.7958986463640942 | 1.0056598916110797 | 0.6966345664319791 | 0.6795697610704285 | 0.5268450267320995 | 0.639284622239757 | 0.6076258517981356 | 0.6076258517981356 | 0.5541634438104134 | 0.9811535129454204 | 0.7277552434429897 | 0.6442907360144908 CUMUL 2013 (octobre 2013 - septembre 2013) | 0.6638553044944727 | 0.6582289269889277 | 0.914483829895417 | 0.7033762961717699 | 0.6599955502641739 | 0.5546378635457817 | 0.6383583075893451 | 0.5163221915723314 | 0.5163221915723314 | 0.9304241848201009 | 0.8469337387159586 | 0.8837852513841735 | 0.6505758523215176 Productivité par employé ('000) TRIM 4 2014 (juillet - septembre 2014) | 2928.572767837627 | 1091.103999739414 | 2431.627096627906 | 2269.5372549019608 | 2351.2508350418293 | 3738.6765651086957 | 2767.6872081885444 | 3579.6744823880595 | 3579.6744823880595 | 9328.484848484848 | 3122.4 | 4787.447154471544 | 2839.304476904206 TRIM 4 2013 (juillet - septembre 2013) | 2990.4 | 1131.95 | 2845.45 | 2013.25 | 2108.38 | 3595.32 | 2646.42 | 4420.7 | 4420.7 | 6766.49 | 3182.9 | 4222.84 | 2723.22 CUMUL 2014 (octobre 2013 - septembre 2014) | 2676.4013162245733 | 1069.7496281756758 | 1929.707924212677 | 2082.6867704280157 | 2154.8660453316106 | 3397.92386234965 | 2512.500441609096 | 3548.1153692063485 | 3548.1153692063485 | 11746.457142857143 | 3129.3777777777777 | 5542.16 | 2619.903655649858 CUMUL 2013 (octobre 2013 - septembre 2013) | 2699.7 | 1295.89 | 1787.18 | 1896.61 | 2059.84 | 3033.68 | 2359.76 | 3910.93 | 3910.93 | 6957.97 | 3710.37 | 4673.1 | 2457.61 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfincléjuin 14 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 30 juin 2014 | 0.06833493698775292 | 0.038863119571471115 | 0.055605232022362866 | 0.0847068744528905 | 0.07302000093478006 | 0.09267736157936914 | 0.07790461213409336 | 0.08636624007953322 | 0.08636624007953322 | 0.05775875585072 | 0.0432620301248619 | 0.05084390333319419 | 0.07635740757058533 Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622 Dépôts en % de l'actif Au 30 juin 2014 | 0.8002896215267851 | 0.8724826119511965 | 0.8506898390990936 | 0.8561215882111015 | 0.8256504321249453 | 0.8403449795196175 | 0.8276211277882833 | 0.6989199726408724 | 0.6989199726408724 | 0.7801178204169268 | 0.8401637614777273 | 0.8087593795222955 | 0.8227065418823759 Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 30 juin 2014 | 0.02989262632619841 | 0.32612986204396305 | 0.014612971405087473 | 0.007961016993459752 | 0.039304479799887444 | 0.0033189606937650694 | 0.028446926424954597 | 0.10408606390790066 | 0.10408606390790066 | 0 | 0.06543265926120789 | 0.041732708568150235 | 0.03275416477249695 Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487 Provision pour créances douteuses en % des prêts improductifs bruts Au 30 juin 2014 | 0.7156925102894751 | 0.8823734460123144 | 0.8037625386410249 | 0.7956784311924499 | 0.6406890130840146 | 2.192712402297941 | 0.7913398562798428 | 0.19866799788030845 | 0.19866799788030845 | 0 | 0.6467353595351883 | 0.6608003216330659 | 0.6933448337478264 Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964 Prêts improductifs nets en % de l'avoir des actionnaires Au 30 juin 2014 | 0.028997561164033774 | 0.4338774935791825 | 0.024261419700000092 | 0.009389710995712475 | 0.07593160970165433 | -0.01592790156055473 | 0.02702142130358636 | 0.5710733270473757 | 0.5710733270473757 | -0.0059233164017696216 | 0.21778655494435206 | 0.08487256702643414 | 0.04710549299612725 Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871 RENTABILITÉ ROA (rendement de l'actif) TRIM 3 2014 (avril - juin 2014) | 0.013322830045721107 | -0.00966628366366608 | 0.0011008860734992077 | 0.02295407258392324 | 0.010426833461705077 | 0.032768439475096084 | 0.018822586178623507 | 0.010366166897591005 | 0.010366166897591005 | 0.07139614248621405 | -0.009842126668392058 | 0.03110049765842081 | 0.01937569276360065 TRIM 3 2013 (avril - juin 2013) | 0.012716704104397035 | 0.037362557727393414 | -0.028733344606773206 | 0.02147890300822905 | 0.014597072738131595 | 0.029674700359892288 | 0.01902338713923453 | 0.01741214063438429 | 0.01741214063438429 | 0.00017481196493725199 | 0.008415838514377733 | 0.004033198367830645 | 0.017887615447555745 CUMUL 2014 (octobre 2013 - juin 2014) | 0.011278125579922227 | -0.003472205403363291 | -0.0007404416528587352 | 0.02151012251588616 | 0.008590793337490578 | 0.027144061589946145 | 0.01582326197621674 | 0.011668548603281967 | 0.011668548603281967 | 0.029787217521914156 | -0.00022562479155719683 | 0.014823247060945328 | 0.015649113884682053 CUMUL 2013 (octobre 2013 - juin 2013) | 0.010970940171173067 | 0.019568066134870336 | -0.0026584986935804526 | 0.019947785471126685 | 0.01062125298216681 | 0.02175130693274606 | 0.014877681568161943 | 0.01198543784270735 | 0.01198543784270735 | 0.0028551403191436103 | 0.02390833497604457 | 0.012876977156557917 | 0.014670389193682081 ROE (rendement de l'avoir des actionn.) TRIM 3 2014 (avril - juin 2014) | 0.1996670519474108 | -0.23330870763270256 | 0.019457655567696644 | 0.2796919906315 | 0.1437071661052999 | 0.34396354641510785 | 0.24056143589599274 | 0.11698359039944044 | 0.11698359039944044 | 1.3181741837149543 | -0.22156931382387032 | 0.6304544092419274 | 0.25268642310890993 TRIM 3 2013 (avril - juin 2013) | 0.2105701703275966 | 3.3431883705953833 | 2.241798655876637 | 0.2729795464087588 | 0.21715614584380744 | 0.37062680678300614 | 0.2791927801049516 | 0.17284692080560576 | 0.17284692080560576 | 0.004743206095898205 | 0.17375145147960327 | 0.09539868284177438 | 0.2669133502957532 CUMUL 2014 (octobre 2013 - juin 2014) | 0.1716484860842938 | -0.06442460738875005 | -0.015631736925679963 | 0.25415792307100715 | 0.11722466452016433 | 0.2996944659867589 | 0.2062010618019755 | 0.12337850642981678 | 0.12337850642981678 | 0.5758653935834798 | -0.005155847359333257 | 0.3104036428477012 | 0.20774536741377933 CUMUL 2013 (octobre 2013 - juin 2013) | 0.18802179183277204 | 1.9957515927859377 | 0.16848816336974146 | 0.2537282253786464 | 0.15733949986866128 | 0.2611411332770673 | 0.21764765174181114 | 0.12055145734662644 | 0.12055145734662644 | 0.07255118323640115 | 0.5396585328920329 | 0.30873062814376095 | 0.21793705731086702 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 3 2014 (avril - juin 2014) | 0.9376296541558427 | 0.9194533205715755 | 0.9445528440501495 | 0.9213410739218668 | 0.8737033669393225 | 0.8390419295074107 | 0.8869121351892709 | 0.6178819834652726 | 0.6178819834652726 | 0.9365542244640606 | 0.9810541606142353 | 0.9614162821434368 | 0.8787857547409763 TRIM 3 2013 (avril - juin 2013) | 0.9597137916212669 | 0.9403213311679534 | 0.964666949687675 | 0.9315107342389609 | 0.9042764210967034 | 0.9370052130359405 | 0.9332107125040066 | 0.8048889281105941 | 0.8048889281105941 | 0.6707212310576318 | 0.9761675048752951 | 0.8412282152298005 | 0.9212940316997363 CUMUL 2014 (octobre 2013 - juin 2014) | 0.9326811629168358 | 0.9162234054670474 | 0.9526710351923604 | 0.9247954721077611 | 0.889317575561553 | 0.8888816033320691 | 0.9062664633816025 | 0.6489565671539016 | 0.6489565671539016 | 0.9354741430516591 | 0.9825403662840786 | 0.9622120215818536 | 0.897932745461774 CUMUL 2013 (octobre 2013 - juin 2013) | 0.960970126246683 | 0.9470178295626018 | 0.9583528458735422 | 0.9407416168904134 | 0.9077986706025726 | 0.9430468809761379 | 0.9363563578708023 | 0.7822448281078842 | 0.7822448281078842 | 0.9298235305638796 | 0.9792441277969498 | 0.9613342607905626 | 0.9312613918293057 Rendement moyen des prêts TRIM 3 2014 (avril - juin 2014) | 0.08408650949685588 | 0.07688779144000053 | 0.11893182763615713 | 0.13428888844822306 | 0.08081431823545056 | 0.07890336197637736 | 0.08664380753096304 | 0.0811807154574455 | 0.0811807154574455 | 0.10406981271489854 | 0.08013679854402148 | 0.08925903241682884 | 0.08654273751555516 TRIM 3 2013 (avril - juin 2013) | 0.07918212074805626 | 0.10687335628570079 | 0.1364067931957637 | 0.1198430349475515 | 0.0637573791891593 | 0.07100010750777302 | 0.07700394003565024 | 0.08899783846219883 | 0.08899783846219883 | 0.08519492641340329 | 0.0842814275821893 | 0.08465904863154819 | 0.07801995748771341 CUMUL 2014 (octobre 2013 - juin 2014) | 0.07805353096943744 | 0.08313784904239105 | 0.12630539126969625 | 0.12333545580192416 | 0.07208802306567089 | 0.07242737782337207 | 0.07972407831993365 | 0.08013574443013936 | 0.08013574443013936 | 0.10820286080122171 | 0.08114457961505274 | 0.09103581304786346 | 0.080384131135286 CUMUL 2013 (octobre 2013 - juin 2013) | 0.08787460548298442 | 0.0954760190395998 | 0.13581305876452454 | 0.11951234381234001 | 0.06382018627765915 | 0.06534516698404373 | 0.07598699553282966 | 0.08631765795866968 | 0.08631765795866968 | 0.07920964672492532 | 0.10308362308151582 | 0.09326600135977019 | 0.07759934910313387 Rendement moyen des prêts productifs TRIM 3 2014 (avril - juin 2014) | 0.08778658912110278 | 0.11314333844997787 | 0.12203034293170577 | 0.13528535076855402 | 0.08558092235892922 | 0.07916799469177707 | 0.08989460548753914 | 0.09043447199392854 | 0.09043447199392854 | 0.10406981271489854 | 0.08604020827578347 | 0.0932170466812622 | 0.09010941851009828 TRIM 3 2013 (avril - juin 2013) | 0.08085597546139775 | 0.14901302678142064 | 0.1376962673232622 | 0.12075707126949385 | 0.06554405037741956 | 0.07116977191381105 | 0.07878012072226279 | 0.0988074530349786 | 0.0988074530349786 | 0.08519492641340329 | 0.09244705764341409 | 0.08928535727376152 | 0.08024663760100766 CUMUL 2014 (octobre 2013 - juin 2014) | 0.0800920674864757 | 0.12463179355409677 | 0.13556686262138035 | 0.12426249342425406 | 0.07386472954611588 | 0.0726151524656478 | 0.08171247811395156 | 0.08790415638773173 | 0.08790415638773173 | 0.10937145570453273 | 0.08754000494298873 | 0.09585307347707382 | 0.08275332586735364 CUMUL 2013 (octobre 2013 - juin 2013) | 0.08996083264731496 | 0.13303030421182058 | 0.13837364763043103 | 0.12038596426827346 | 0.06545444196063042 | 0.06550936305431845 | 0.07770651007967395 | 0.09273164277326451 | 0.09273164277326451 | 0.07920964672492532 | 0.1152545317956442 | 0.0994492157216451 | 0.07973852612407716 Rémunération moyenne des dépôts TRIM 3 2014 (avril - juin 2014) | 0.002272875097701529 | 0.0034625018131110514 | 0.0033839093129849947 | 0.005800050904147802 | 0.005673863394028917 | 0.00574893404858615 | 0.0047615049749920105 | 0.0316950805795074 | 0.0316950805795074 | 0.0020790231087938157 | 0.000750231391534403 | 0.0013991652201075977 | 0.005173756600274939 TRIM 3 2013 (avril - juin 2013) | 0.0012025246685935164 | 0.004422350387240892 | 0.001991569567840677 | 0.0044596739694405 | 0.0033824861610969505 | 0.001970590645590894 | 0.002380201675724208 | 0.01690067469894078 | 0.01690067469894078 | 0.0017885346027258068 | 0.0009742935663581718 | 0.0014210481489422835 | 0.0025896194731955054 CUMUL 2014 (octobre 2013 - juin 2014) | 0.002229475529220378 | 0.0039667722598538905 | 0.0028849285130231844 | 0.005282695940145357 | 0.004520988701906856 | 0.0036899917675809264 | 0.0036521560195065437 | 0.02874101495266659 | 0.02874101495266659 | 0.00206053766872093 | 0.0007004679379476833 | 0.0013649109049559602 | 0.004053872889615977 CUMUL 2013 (octobre 2013 - juin 2013) | 0.0010498429889061534 | 0.0035310052091721074 | 0.002422322860989621 | 0.0037585387367797935 | 0.003355279676899374 | 0.0016330829925971736 | 0.0021631347035900327 | 0.01645580587033184 | 0.01645580587033184 | 0.0018740389412922193 | 0.0010859199190845512 | 0.001501147423630761 | 0.0024179986256735076 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 3 2014 (avril - juin 2014) | 0.5997526952708631 | 0.8812194163814072 | 1.0087220184853003 | 0.6559576746594044 | 0.6676786907477196 | 0.5029810121967844 | 0.6074190274824798 | 0.6249601050393291 | 0.6249601050393291 | 0.3131536308734718 | 0.9346189962299056 | 0.49708805521910104 | 0.5985817255667323 TRIM 3 2013 (avril - juin 2013) | 0.5986995508873347 | 0.5126586312167909 | 1.4168077403024997 | 0.6787929953822736 | 0.5839355308161784 | 0.5307319546693219 | 0.5955289931363609 | 0.48340005914533596 | 0.48340005914533596 | 0.8866169418608427 | 0.7631694790902421 | 0.8061860632212055 | 0.6029455473285238 CUMUL 2014 (octobre 2013 - juin 2014) | 0.6413962516559648 | 0.817553889912292 | 0.9807096761685362 | 0.6867788538472863 | 0.697433405952601 | 0.5368729639483506 | 0.6407396495605463 | 0.612164427712371 | 0.612164427712371 | 0.4817545770664879 | 0.8823880032168031 | 0.636990519763324 | 0.6398812478839627 CUMUL 2013 (octobre 2013 - juin 2013) | 0.6408866754833173 | 0.6174923938387047 | 0.9825142509867323 | 0.6900437438564085 | 0.6478675047411852 | 0.5727900488097408 | 0.6362283792656039 | 0.5012602558546387 | 0.5012602558546387 | 0.9353766878094527 | 0.6105534255063708 | 0.7516646807317586 | 0.6406732766000661 Productivité par employé ('000) TRIM 3 2014 (avril - juin 2014) | 2709.852712069786 | 975.6827297627119 | 1801.840831418956 | 2274.2419354838707 | 2237.2641633424164 | 3608.0478646407323 | 2625.6278751157165 | 3220.0987825563925 | 3220.0987825563925 | 18858.333333333332 | 3171.1555555555556 | 7653.206349206349 | 2787.1366831503274 TRIM 3 2013 (avril - juin 2013) | 2708.618443534558 | 1757.2889783512542 | 1015.2739378794045 | 2017.4709677419355 | 2144.498655198141 | 3143.1670041727316 | 2412.6886225629282 | 3978.1019354385962 | 3978.1019354385962 | 8017.789473684211 | 3277.158469945355 | 4668.2316602316605 | 2510.4884128199205 CUMUL 2014 (octobre 2013 - juin 2014) | 2612.6908763777774 | 1059.8573741069397 | 1790.4172241957867 | 2112.603110209601 | 2082.2370153169427 | 3256.8472624590927 | 2436.882942165624 | 3461.8353583068783 | 3461.8353583068783 | 12730.133333333333 | 3131.703703703704 | 5819.264 | 2556.2485151379965 CUMUL 2013 (octobre 2013 - juin 2013) | 2560.78949801085 | 1372.9309844917254 | 1417.5949555418717 | 1918.7065527065527 | 2065.116615297083 | 2828.609885397436 | 2271.9095539388413 | 3806.646128654971 | 3806.646128654971 | 7051.875555555555 | 3846.7039106145253 | 4793.112860892388 | 2377.0069513974436 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclémars 14 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 mars 2014 | 0.06508621346600958 | 0.04418573445791735 | 0.057586176119218305 | 0.07941688747385343 | 0.07208221332595692 | 0.09779983284353788 | 0.07858629677883652 | 0.09105012540417186 | 0.09105012540417186 | 0.04995848519465114 | 0.045575735651482346 | 0.0476944529390944 | 0.0770043504966324 Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622 Dépôts en % de l'actif Au 31 mars 2014 | 0.8024438729037784 | 0.8680410699758865 | 0.8556175000210494 | 0.8642042317505231 | 0.8226739076585597 | 0.867688515874981 | 0.8372789252875653 | 0.6933572955349637 | 0.6933572955349637 | 0.8017135969010147 | 0.8418603021583528 | 0.8224525040098215 | 0.8325331064551846 Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 mars 2014 | 0.05442506855539557 | 0.31478098996230286 | 0.03840148551589591 | 0.006710116679829678 | 0.07211139631435001 | 0.0033657073790817203 | 0.04391860571753089 | 0.10048908499405608 | 0.10048908499405608 | 0 | 0.0718222388237441 | 0.04315207331523513 | 0.046435050386389516 Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 mars 2014 | 0.4233703882252086 | 0.8827609582159821 | 0.3559013693986774 | 0.7608206604877171 | 0.28886829936273045 | 1.894714995316339 | 0.4741279418708415 | 0.20528726502377548 | 0.20528726502377548 | 0 | 0.5030656185511672 | 0.783522002075555 | 0.46485220722976817 Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 mars 2014 | 0.11427944531677703 | 0.39601902281196266 | 0.17330211422429537 | 0.009024343318885028 | 0.2849541875247341 | -0.011558919762307654 | 0.10431820963109567 | 0.5397315961211763 | 0.5397315961211763 | -0.1735915505956446 | 0.31552100216610873 | 0.06784920488044699 | 0.11661073969908937 Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871 RENTABILITÉ ROA (rendement de l'actif) TRIM 2 2014 (janvier - mars 2014) | 0.009550026160036789 | -0.00937151040711154 | -0.01047850009389995 | 0.01942826359963237 | 0.0069249591431309 | 0.02906011203983928 | 0.015072541408737011 | 0.014940139508983591 | 0.014940139508983591 | 0.00258578103666161 | 0.006340200146581622 | 0.004575176685514103 | 0.01440365359604406 TRIM 2 2013 (janvier - mars 2013) | 0.01 | 0.0097 | 0.0226 | 0.0194 | 0.0083 | 0.0194 | 0.0133 | 0.0127 | 0.0127 | 0.0027 | 0.0363 | 0.0186 | 0.0137 CUMUL 2014 (octobre 2013 - mars 2014) | 0.010392318600126956 | -0.00011049232563235361 | -0.0017190810050276254 | 0.020416866742206986 | 0.007683980059401221 | 0.023732268852096464 | 0.014237955481915303 | 0.012544878255944603 | 0.012544878255944603 | 0.009466201696793046 | 0.004563175784588311 | 0.006920080730948116 | 0.013736288290721512 CUMUL 2013 (octobre 2013 - mars 2013) | 0.0099 | 0.0105 | 0.0115 | 0.0198 | 0.0084 | 0.0175 | 0.0127 | 0.0096 | 0.0096 | 0.0041 | 0.0325 | 0.0172 | 0.0129 ROE (rendement de l'avoir des actionn.) TRIM 2 2014 (janvier - mars 2014) | 0.14400119978241888 | -0.1652853779774771 | -0.21895151492264497 | 0.23374718621826626 | 0.09332131407675243 | 0.30152666612404816 | 0.19040952476323533 | 0.15034044954381628 | 0.15034044954381628 | 0.05264348062050563 | 0.14411292835343134 | 0.09776919764631971 | 0.18559614577682676 TRIM 2 2013 (janvier - mars 2013) | 0.1917 | 1.435 | -0.3451 | 0.2411 | 0.1264 | 0.2325 | 0.2053 | 0.1334 | 0.1334 | 0.0691 | 0.739 | 0.4215 | 0.2126 CUMUL 2014 (octobre 2013 - mars 2014) | 0.1622093922262499 | -0.0019287445616628198 | -0.03562488251347787 | 0.24932516566962185 | 0.10553131359326963 | 0.2546154279463448 | 0.1847190814751632 | 0.12874114169093442 | 0.12874114169093442 | 0.20021388019563746 | 0.10159845832024336 | 0.15026839386683535 | 0.18157746446154233 CUMUL 2013 (octobre 2013 - mars 2013) | 0.1807 | 2.071 | -0.1772 | 0.2502 | 0.1286 | 0.2203 | 0.1964 | 0.0977 | 0.0977 | 0.1058 | 0.7056 | 0.4086 | 0.2021 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 2 2014 (janvier - mars 2014) | 0.9275181879691887 | 0.8849406075636684 | 0.9558343093531831 | 0.9250555286068064 | 0.8914698084362648 | 0.9176759708156087 | 0.9135287019121052 | 0.654392189650229 | 0.654392189650229 | 0.9526254762299156 | 0.9842648644166183 | 0.9706954936181297 | 0.9044015282494487 TRIM 2 2013 (janvier - mars 2013) | 0.9676039301635727 | 0.9433458734530036 | 0.9559015760529685 | 0.9473514188172241 | 0.9115702548492304 | 0.9422253469513527 | 0.9391427584153668 | 0.7596464892263273 | 0.7596464892263273 | 0.932232329476876 | 0.9817876114095258 | 0.9651498379062228 | 0.933188130963662 CUMUL 2014 (octobre 2013 - mars 2014) | 0.9298947937296947 | 0.9146926870998514 | 0.9569567994675174 | 0.9267938546864883 | 0.8985916078609463 | 0.918049737557435 | 0.9174321777303901 | 0.6668892755893672 | 0.6668892755893672 | 0.9348980592727527 | 0.983288420964676 | 0.96262275069267 | 0.9089097572852997 CUMUL 2013 (octobre 2013 - mars 2013) | 0.9617065526335528 | 0.9511575049617146 | 0.9552388508386775 | 0.945658906530902 | 0.9094715828570182 | 0.9463297918368263 | 0.938019200481613 | 0.7700805033740993 | 0.7700805033740993 | 0.9292420000927973 | 0.9803887128183588 | 0.9634819684870298 | 0.9325177804530076 Rendement moyen des prêts TRIM 2 2014 (janvier - mars 2014) | 0.07507806082782871 | 0.07374185322572759 | 0.12037614990826055 | 0.12311582048763477 | 0.06555533111522362 | 0.06757127871773796 | 0.0745961555557843 | 0.08248622996883509 | 0.08248622996883509 | 0.08787875098910464 | 0.08200135748986842 | 0.08443857294228052 | 0.07554203671422424 TRIM 2 2013 (janvier - mars 2013) | 0.08 | 0.0817 | 0.1358 | 0.1168 | 0.0649 | 0.063 | 0.0738 | 0.0842 | 0.0842 | 0.0791 | 0.1175 | 0.1019 | 0.0761 CUMUL 2014 (octobre 2013 - mars 2014) | 0.0757323559560027 | 0.08571300956119571 | 0.13820232406247224 | 0.12241812321290707 | 0.06734761526219836 | 0.06739640737751931 | 0.07589646533700663 | 0.07876580744499925 | 0.07876580744499925 | 0.09829059089116235 | 0.08162443781371893 | 0.0880343086983738 | 0.07672845239347538 CUMUL 2013 (octobre 2013 - mars 2013) | 0.0893 | 0.093 | 0.1348 | 0.1195 | 0.065 | 0.0627 | 0.0756 | 0.0834 | 0.0834 | 0.0741 | 0.1137 | 0.0971 | 0.0774 Rendement moyen des prêts productifs TRIM 2 2014 (janvier - mars 2014) | 0.07942183742135307 | 0.10387979225175298 | 0.1269040022406348 | 0.1238550402818438 | 0.07011200592210948 | 0.0677775999605375 | 0.07782785233866715 | 0.0919243803448651 | 0.0919243803448651 | 0.08787875098910464 | 0.08919161422469289 | 0.08862023995619532 | 0.07906488003982544 TRIM 2 2013 (janvier - mars 2013) | 0.0815 | 0.1171 | 0.1373 | 0.1177 | 0.066 | 0.0632 | 0.0753 | 0.0938 | 0.0938 | 0.0791 | 0.1308 | 0.1085 | 0.0781 CUMUL 2014 (octobre 2013 - mars 2014) | 0.07868543477135646 | 0.12739628935586172 | 0.15149804601874925 | 0.12325561729986595 | 0.07019898197011834 | 0.06757347774823672 | 0.07841849230362784 | 0.08618601807677369 | 0.08618601807677369 | 0.09927320802758871 | 0.08836895877246174 | 0.09274337932141483 | 0.07955890038319643 CUMUL 2013 (octobre 2013 - mars 2013) | 0.0911 | 0.1338 | 0.1373 | 0.1203 | 0.0661 | 0.0628 | 0.077 | 0.0918 | 0.0918 | 0.0741 | 0.1277 | 0.1037 | 0.0794 Rémunération moyenne des dépôts TRIM 2 2014 (janvier - mars 2014) | 0.0022281779553125084 | 0.004873067972453534 | 0.0024552460812381103 | 0.005044900126702525 | 0.004229886272634966 | 0.002524481197700391 | 0.0031572463727636995 | 0.030359850224953095 | 0.030359850224953095 | 0.0015911492785004994 | 0.0006242919268011547 | 0.0010787871490298136 | 0.003594420053189268 TRIM 2 2013 (janvier - mars 2013) | 0.0008 | 0.0035 | 0.0027 | 0.0035 | 0.0034 | 0.0017 | 0.0021 | 0.0181 | 0.0181 | 0.0017 | 0.0011 | 0.0014 | 0.0024 CUMUL 2014 (octobre 2013 - mars 2014) | 0.0022449950692803684 | 0.0042814983409671875 | 0.0026147942766082534 | 0.0048765385202920895 | 0.003948125682052602 | 0.0025049786252711137 | 0.0030517693627513253 | 0.027269274855116724 | 0.027269274855116724 | 0.0021762948743712 | 0.0006675822975115974 | 0.001378342642276887 | 0.003451006046199966 CUMUL 2013 (octobre 2013 - mars 2013) | 0.0009 | 0.0033 | 0.0027 | 0.0036 | 0.0034 | 0.0015 | 0.0021 | 0.0172 | 0.0172 | 0.0017 | 0.0012 | 0.0015 | 0.0023 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 2 2014 (janvier - mars 2014) | 0.7023338620043865 | 0.8347920738778455 | 1.103823405632522 | 0.7171561782595318 | 0.7316862155091262 | 0.5215869819847087 | 0.6613419425031223 | 0.57742053302737 | 0.57742053302737 | 0.4939800359542057 | 0.8511851142889314 | 0.6570822622107969 | 0.6590814416023064 TRIM 2 2013 (janvier - mars 2013) | 0.6378065026846498 | 0.6755597585907235 | 0.767566282814592 | 0.715894885469409 | 0.6802565878693533 | 0.5818393180426656 | 0.6468844681148346 | 0.5083273523629672 | 0.5083273523629672 | 0.8998143829422683 | 0.4829612455779186 | 0.6440628084782862 | 0.6435223534485189 CUMUL 2014 (octobre 2013 - mars 2014) | 0.6651584146224413 | 0.7890901515774374 | 0.9672494283562587 | 0.7041927036898277 | 0.7145745663899689 | 0.5574014052117194 | 0.6600151750246959 | 0.60593923064633 | 0.60593923064633 | 0.65577319524936 | 0.8557758910017924 | 0.7477601156069364 | 0.6642321984245352 CUMUL 2013 (octobre 2013 - mars 2013) | 0.6650702236273768 | 0.6940672640466446 | 0.8446362848246312 | 0.696055224577671 | 0.6821596140342214 | 0.5971763698886624 | 0.6586939299995481 | 0.5108075878296067 | 0.5108075878296067 | 0.8985716039782262 | 0.5481186389805998 | 0.6883009724632462 | 0.6572077655392679 Productivité par employé ('000) TRIM 2 2014 (janvier - mars 2014) | 2343.8794197685947 | 1023.7078198601398 | 1710.791587469965 | 2030.1741741741741 | 2058.8034931017014 | 3322.5586378857956 | 2387.7631481223266 | 3691.8160024427475 | 3691.8160024427475 | 8672 | 3140.243093922652 | 4806.177606177606 | 2485.3635727736846 TRIM 2 2013 (janvier - mars 2013) | 2525.21 | 1157.4 | 1823.18 | 1890.64 | 2095.3 | 2855.38 | 2293.74 | 3749.99 | 3749.99 | 6548.88 | 4350.7 | 4999.2 | 2405.87 CUMUL 2014 (octobre 2013 - mars 2014) | 2476.6595885194374 | 1133.4299763380282 | 1800.4817211858658 | 1996.516 | 2001.2136067905283 | 3066.824764128181 | 2323.7690570086183 | 3521.20250944 | 3521.20250944 | 8654.78947368421 | 3111.9777777777776 | 4757.5 | 2418.6504792777387 CUMUL 2013 (octobre 2013 - mars 2013) | 2457.12 | 1177.57 | 1598.98 | 1883.84 | 2033.69 | 2726.32 | 2212.87 | 3720.92 | 3720.92 | 6346.23 | 4072.11 | 4753.46 | 2319.94 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [sysratfinclédéc. 13 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RATIOS FINANCIERS CLÉS (Données trimestrielles annualisées et cumulées) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME STRUCTURE FINANCIÈRE Avoirs des actionnaires en % de l'actif Au 31 décembre 2013 | 0.06756273498718765 | 0.06987351784593303 | 0.03770170709237968 | 0.0870135131079675 | 0.07636450325518582 | 0.09487612237598875 | 0.07974846780641365 | 0.10871970751419446 | 0.10871970751419446 | 0.04827264032561701 | 0.042455281044486384 | 0.04521781241018626 | 0.07822902880947961 Au 30 septembre 2013 | 0.06306170428149546 | 0.07199426493018365 | 0.03795148730460358 | 0.08455272785330954 | 0.07356309854207897 | 0.08843052056654649 | 0.07552922872221414 | 0.10472086951684068 | 0.10472086951684068 | 0.04455965364539125 | 0.04425587223235671 | 0.04440107188126159 | 0.07425546039125622 Dépôts en % de l'actif Au 31 décembre 2013 | 0.8117420239083275 | 0.8662815810350329 | 0.8820243519796762 | 0.8524718775522453 | 0.7972498069705379 | 0.8658969875930865 | 0.8308793810337939 | 0.6563314665509591 | 0.6563314665509591 | 0.7954428260922484 | 0.8147346034511499 | 0.8055733779743377 | 0.8249857687518566 Au 30 septembre 2013 | 0.8209793146880608 | 0.8553362319750013 | 0.8794524235992331 | 0.8474073540151325 | 0.8183208732915819 | 0.8521191570565092 | 0.8343575602946146 | 0.6619302969134991 | 0.6619302969134991 | 0.7855154565578368 | 0.8078899525479466 | 0.7971955228600505 | 0.8278535124896829 QUALITÉ DE L'ACTIF Prêts improductifs bruts en % des prêts bruts Au 31 décembre 2013 | 0.0549588148735503 | 0.265203961110005 | 0.06528125303348466 | 0.005208599663825625 | 0.05798568115084276 | 0.002710543592300367 | 0.039102626496680296 | 0.10501826389970001 | 0.10501826389970001 | 0 | 0.08952756527635604 | 0.051067973089693096 | 0.04265788229027242 Au 30 septembre 2013 | 0.021136775959121737 | 0.3398020001824996 | 0.14983205014280504 | 0.00688337422254502 | 0.008459352431522267 | 0.0018448803603614149 | 0.02008874961255652 | 0.06966824338953291 | 0.06966824338953291 | 0 | 0.08091748504780372 | 0.058951118903664314 | 0.02434823321191487 Provision pour créances douteuses en % des prêts improductifs bruts Au 31 décembre 2013 | 0.2996864383311242 | 0.8820343312270964 | 0.20196535145315178 | 1.1628201575551245 | 0.2870974822167787 | 2.0359016327263086 | 0.4375677827321229 | 0.20081171778993706 | 0.20081171778993706 | #DIV/0! | 0.4285063134007021 | 0.47359718369959464 | 0.4154185174472904 Au 30 septembre 2013 | 0.6848240124259533 | 0.6845408847631704 | 0.07010051628344324 | 0.8543668523165432 | 1.9124052382488508 | 2.670949560078799 | 0.8113120593633867 | 0.39655318884680313 | 0.39655318884680313 | 0 | 0.45626990004703033 | 0.5175539635716627 | 0.7218927134547964 Prêts improductifs nets en % de l'avoir des actionnaires Au 31 décembre 2013 | 0.13674048326773747 | 0.2211696638111108 | 0.5482128809295178 | -0.004474913069400864 | 0.224060811280408 | -0.011293756854838055 | 0.0998242983077997 | 0.4965043069888507 | 0.4965043069888507 | -0.03579553547026149 | 0.4664890816904084 | 0.2118513748219269 | 0.11746019600354837 Au 30 septembre 2013 | 0.02546617631176224 | 0.7802168035531549 | 1.3007106393281198 | 0.005452897575127729 | -0.042320293954818684 | -0.013086362435766703 | 0.017837350846472498 | 0.24645520594133533 | 0.24645520594133533 | 0.010314827196158326 | 0.3899170414017677 | 0.20782898624975543 | 0.03279900736147871 RENTABILITÉ ROA (rendement de l'actif) TRIM 1 2014 (octobre - décembre 2013) | 0.011387712449046601 | 0.00970036237782878 | 0.007493397642653624 | 0.021758465159254312 | 0.008475184410803225 | 0.019090549750373605 | 0.013630126985895044 | 0.010668567610105564 | 0.010668567610105564 | 0.01639782450801162 | 0.002683317805306131 | 0.009217103359502748 | 0.013276041832199019 TRIM 1 2013 (octobre - décembre 2012) | 0.0085 | 0.0117 | 0.0007 | 0.0202 | 0.0082 | 0.0164 | 0.0116 | 0.0055 | 0.0055 | 0.0061 | 0.0282 | 0.0168 | 0.0117 CUMUL 2014 (octobre - décembre 2013) | 0.011387712449046601 | 0.00970036237782878 | 0.007493397642653624 | 0.021758465159254312 | 0.008475184410803225 | 0.019090549750373605 | 0.013630126985895044 | 0.010668567610105564 | 0.010668567610105564 | 0.01639782450801162 | 0.002683317805306131 | 0.009217103359502748 | 0.013276041832199019 CUMUL 2013 (octobre - décembre 2012) | 0.0085 | 0.0117 | 0.0007 | 0.0202 | 0.0082 | 0.0164 | 0.0116 | 0.0055 | 0.0055 | 0.0061 | 0.0282 | 0.0168 | 0.0117 ROE (rendement de l'avoir des actionn.) TRIM 1 2014 (octobre - décembre 2013) | 0.17442378768489986 | 0.1368176887755292 | 0.19811700250644249 | 0.2536030774536783 | 0.11304511849889846 | 0.20833878233276 | 0.17556444068879312 | 0.09995419581255574 | 0.09995419581255574 | 0.35321969316350277 | 0.06190427509111674 | 0.20568167323445763 | 0.1741323171569377 TRIM 1 2013 (octobre - décembre 2012) | 0.1689 | 2.2983 | -0.0094 | 0.2516 | 0.1247 | 0.1912 | 0.1775 | 0.0585 | 0.0585 | 0.1437 | 0.6301 | 0.3836 | 0.1816 CUMUL 2014 (octobre - décembre 2013) | 0.17442378768489986 | 0.1368176887755292 | 0.19811700250644249 | 0.2536030774536783 | 0.11304511849889846 | 0.20833878233276 | 0.17556444068879312 | 0.09995419581255574 | 0.09995419581255574 | 0.35321969316350277 | 0.06190427509111674 | 0.20568167323445763 | 0.1741323171569377 CUMUL 2013 (octobre - décembre 2012) | 0.1689 | 2.2983 | -0.0094 | 0.2516 | 0.1247 | 0.1912 | 0.1775 | 0.0585 | 0.0585 | 0.1437 | 0.6301 | 0.3836 | 0.1816 Revenus nets d'intérêt en % des revenus d'intérêt TRIM 1 2014 (octobre - décembre 2013) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787 TRIM 1 2013 (octobre - décembre 2012) | 0.9546876755062343 | 0.9576794561933145 | 0.9545263581620085 | 0.9438658442679693 | 0.9073082487377185 | 0.9505731077351381 | 0.9368271067334059 | 0.7811309255702974 | 0.7811309255702974 | 0.925931960375391 | 0.9789136778687753 | 0.9616948721750366 | 0.9318060572362425 CUMUL 2014 (octobre - décembre 2013) | 0.9320194071826137 | 0.9378501068508621 | 0.9579561398000989 | 0.9286202872892608 | 0.9056259994545582 | 0.918426998802455 | 0.9212168240353974 | 0.6814397509156725 | 0.6814397509156725 | 0.916626355177418 | 0.982296973013935 | 0.9543733136517079 | 0.9133304591126787 CUMUL 2013 (octobre - décembre 2012) | 0.9546876755062343 | 0.9576794561933145 | 0.9545263581620085 | 0.9438658442679693 | 0.9073082487377185 | 0.9505731077351381 | 0.9368271067334059 | 0.7811309255702974 | 0.7811309255702974 | 0.925931960375391 | 0.9789136778687753 | 0.9616948721750366 | 0.9318060572362425 Rendement moyen des prêts TRIM 1 2014 (octobre - décembre 2013) | 0.07721920699660453 | 0.09801663881842673 | 0.15108256609386136 | 0.12190998562608332 | 0.06735793384432334 | 0.06835789742458313 | 0.07703839754839649 | 0.07539407605136633 | 0.07539407605136633 | 0.09080896225724018 | 0.08148451085304642 | 0.08522287034194406 | 0.07745934767528559 TRIM 1 2013 (octobre - décembre 2012) | 0.0962 | 0.1039 | 0.1334 | 0.1178 | 0.0616 | 0.0649 | 0.0762 | 0.082 | 0.082 | 0.0781 | 0.1098 | 0.097 | 0.0779 CUMUL 2014 (octobre - décembre 2013) | 0.07721920699660453 | 0.09801663881842673 | 0.15108256609386136 | 0.12190998562608332 | 0.06735793384432334 | 0.06835789742458313 | 0.07703839754839649 | 0.07539407605136633 | 0.07539407605136633 | 0.09080896225724018 | 0.08148451085304642 | 0.08522287034194406 | 0.07745934767528559 CUMUL 2013 (octobre - décembre 2012) | 0.0962 | 0.1039 | 0.1334 | 0.1178 | 0.0616 | 0.0649 | 0.0762 | 0.082 | 0.082 | 0.0781 | 0.1098 | 0.097 | 0.0779 Rendement moyen des prêts productifs TRIM 1 2014 (octobre - décembre 2013) | 0.08025498101951589 | 0.14050721769351976 | 0.16861651029446265 | 0.12265043180290054 | 0.06970576506449203 | 0.06851400207997296 | 0.0793940056257403 | 0.08265813527234372 | 0.08265813527234372 | 0.09166195627883743 | 0.08907736199682834 | 0.09016344769433494 | 0.08015318107111846 TRIM 1 2013 (octobre - décembre 2012) | 0.0982 | 0.149 | 0.136 | 0.1187 | 0.0625 | 0.0651 | 0.0776 | 0.0883 | 0.0883 | 0.0781 | 0.1246 | 0.1044 | 0.0798 CUMUL 2014 (octobre - décembre 2013) | 0.08025498101951589 | 0.14050721769351976 | 0.16861651029446265 | 0.12265043180290054 | 0.06970576506449203 | 0.06851400207997296 | 0.0793940056257403 | 0.08265813527234372 | 0.08265813527234372 | 0.09166195627883743 | 0.08907736199682834 | 0.09016344769433494 | 0.08015318107111846 CUMUL 2013 (octobre - décembre 2012) | 0.0982 | 0.149 | 0.136 | 0.1187 | 0.0625 | 0.0651 | 0.0776 | 0.0883 | 0.0883 | 0.0781 | 0.1246 | 0.1044 | 0.0798 Rémunération moyenne des dépôts TRIM 1 2014 (octobre - décembre 2013) | 0.002295673142484845 | 0.0036081845241800036 | 0.0027199562772000562 | 0.004796879864895094 | 0.003787217330949664 | 0.0025519884047612218 | 0.003014085731006229 | 0.02634266011305105 | 0.02634266011305105 | 0.0027664450048672435 | 0.0007039502195868499 | 0.0016731684412745497 | 0.0033816860315593737 TRIM 1 2013 (octobre - décembre 2012) | 0.0009 | 0.0033 | 0.0027 | 0.0036 | 0.0034 | 0.0014 | 0.002 | 0.0144 | 0.0144 | 0.0019 | 0.0013 | 0.0016 | 0.0023 CUMUL 2014 (octobre - décembre 2013) | 0.002295673142484845 | 0.0036081845241800036 | 0.0027199562772000562 | 0.004796879864895094 | 0.003787217330949664 | 0.0025519884047612218 | 0.003014085731006229 | 0.02634266011305105 | 0.02634266011305105 | 0.0027664450048672435 | 0.0007039502195868499 | 0.0016731684412745497 | 0.0033816860315593737 CUMUL 2013 (octobre - décembre 2012) | 0.0009 | 0.0033 | 0.0027 | 0.0036 | 0.0034 | 0.0014 | 0.002 | 0.0144 | 0.0144 | 0.0019 | 0.0013 | 0.0016 | 0.0023 Dépenses d'exploitation en % du produit net bancaire (revenus nets d'intérêt + autres revenus) TRIM 1 2014 (octobre - décembre 2013) | 0.6317138116692779 | 0.7509695481684964 | 0.8448000174817397 | 0.6908118936041138 | 0.6962024059357329 | 0.5996017704148225 | 0.6586076801595496 | 0.6407095504993805 | 0.6407095504993805 | 0.8270099763421748 | 0.860503543940514 | 0.842530897367007 | 0.6697082527283046 TRIM 1 2013 (octobre - décembre 2012) | 0.6968406297281003 | 0.711951447817677 | 0.9457450023595267 | 0.675680792799782 | 0.6842146908135079 | 0.6138829473421117 | 0.6716536050323192 | 0.5133268875897631 | 0.5133268875897631 | 0.897246837583711 | 0.6265042859375564 | 0.7390012015936926 | 0.6722430209787185 CUMUL 2014 (octobre - décembre 2013) | 0.6317138116692779 | 0.7509695481684964 | 0.8448000174817397 | 0.6908118936041138 | 0.6962024059357329 | 0.5996017704148225 | 0.6586076801595496 | 0.6407095504993805 | 0.6407095504993805 | 0.8270099763421748 | 0.860503543940514 | 0.842530897367007 | 0.6697082527283046 CUMUL 2013 (octobre - décembre 2012) | 0.6968406297281003 | 0.711951447817677 | 0.9457450023595267 | 0.675680792799782 | 0.6842146908135079 | 0.6138829473421117 | 0.6716536050323192 | 0.5133268875897631 | 0.5133268875897631 | 0.897246837583711 | 0.6265042859375564 | 0.7390012015936926 | 0.6722430209787185 Productivité par employé ('000) TRIM 1 2014 (octobre - décembre 2013) | 2743.663000104438 | 1235.9429228169013 | 1848.214591063652 | 1978.7391742195368 | 1957.9411122838135 | 2882.3456561890976 | 2297.7840416091813 | 3198.9736374193544 | 3198.9736374193544 | 8409.368421052632 | 3049.3259668508285 | 4634.396887159533 | 2386.816168007544 TRIM 1 2013 (octobre - décembre 2012) | 2338.98 | 1185.27 | 1402.83 | 1829.35 | 1957.11 | 2597.12 | 2100.09 | 3691.84 | 3691.84 | 6224.42 | 3696.84 | 4447.22 | 2201.19 CUMUL 2014 (octobre - décembre 2013) | 2743.663000104438 | 1235.9429228169013 | 1848.214591063652 | 1978.7391742195368 | 1957.9411122838135 | 2882.3456561890976 | 2297.7840416091813 | 3198.9736374193544 | 3198.9736374193544 | 8409.368421052632 | 3049.3259668508285 | 4634.396887159533 | 2386.816168007544 CUMUL 2013 (octobre - décembre 2012) | 2238.98 | 1185.27 | 1402.83 | 1829.35 | 1957.11 | 2597.12 | 2100.09 | 3691.84 | 3691.84 | 6224.42 | 3696.84 | 4447.22 | 2201.19 REVENUS REPORTÉS ACCEPTATIONS EN CIRCULATION CAPITAL Capital autorisé Moins actions non émises Capital versé Profits non distribués Profits et pertes RESERVES Réserve légale Autres réserves TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 [bilsysbansept. 19$] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES CONVERTIES) AU 30 SEPTEMBRE 2019 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 10700182 | 134032.44975 | 694959.07394664 | 493798 | 1946844.3261199999 | 1148612.6814556199 | 15118428.53127226 | 9186.89126 | 9186.89126 | 21369 | 21369 | 15148984.42253226 Avoirs à la BRH | 2264380 | 912569.59153 | 7189814.145082673 | 8057935 | 27422144.60682 | 35310268.276822045 | 81157111.62025473 | 727652.02669 | 727652.02669 | 3280758 | 3280758 | 85165521.64694473 Avoirs à l'étranger | 2328011.06 | 353802.10764 | 986479.0003250521 | 3391357 | 4759170.6993 | 7380096.758453228 | 19198916.62571828 | 0 | 0 | 1033589 | 1033589 | 20232505.62571828 Avoirs dans les banques locales | 0 | 0 | 4381.292638848 | 1359 | 0 | 0 | 5740.292638848 | 102226.08649999999 | 102226.08649999999 | 0 | 0 | 107966.37913884799 Autres liquidités | 28534 | 1498.75149 | 2971.15514733 | 17347 | 255178.49146 | 191812.53667814395 | 497341.93477547396 | 857.9827400000001 | 857.9827400000001 | 70029 | 70029 | 568228.9175154739 15321107.06 | 1401902.90041 | 8878604.667140543 | 11961796 | 34383338.1237 | 44030790.253409036 | 115977539.0046596 | 839922.9871899999 | 839922.9871899999 | 4405745 | 4405745 | 121223206.99184959 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 11494264 | 35120.15096 | 250137.45121327796 | 1288083 | 16136948.831619998 | 18779223.934887514 | 47983777.36868079 | 839845.7999999999 | 839845.7999999999 | 0 | 0 | 48823623.16868079 Portefeuille net | 7593825.6 | 719700.4525 | 7370911.43309097 | 7201344 | 16445679.895309998 | 26243425.823860005 | 65574887.20476097 | 1984435.97584 | 1984435.97584 | 447918 | 447918 | 68007241.18060097 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres actifs | 145786.05 | 564441.09798 | 102921.20567165398 | 180573 | 660583.5768 | 414311.03651469 | 2068615.9669663438 | 833303.2071199999 | 833303.2071199999 | 10519 | 10519 | 2912438.1740863435 34554982.71 | 2721164.60185 | 16602574.757116444 | 20631796 | 67626550.42743 | 89467751.04867123 | 231604819.54506767 | 4497507.9701499995 | 4497507.9701499995 | 4864182 | 4864182 | 240966509.5152177 PASSIF Dépôts À vue | 15378808.5 | 1342143.20484 | 6726021.44247029 | 7679847 | 26893284.605536807 | 38885595.72390637 | 96905700.47675347 | 1762634.8393199998 | 1762634.8393199998 | 3457127 | 3457127 | 102125462.31607348 Épargne | 8944111 | 254214.5293 | 2662473.54499006 | 4042688 | 19227237.74902215 | 29359712.913598955 | 64490437.73691116 | 585956.73054 | 585956.73054 | 524313 | 524313 | 65600707.46745116 À terme | 5410988 | 1051122.04166 | 6545135.71348533 | 7392663 | 17445006.90145037 | 16991206.393953 | 54836122.0505487 | 1979743.4825300002 | 1979743.4825300002 | 9332 | 9332 | 56825197.5330787 29733907.5 | 2647479.7758 | 15933630.70094568 | 19115198 | 63565529.256009325 | 85236515.03145832 | 216232260.26421335 | 4328335.05239 | 4328335.05239 | 3990772 | 3990772 | 224551367.31660333 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1000804.1299999999 | 70498.37067 | 423129.26329524 | 651414 | 2669388.3897400005 | 1653579.279213789 | 6468813.432919029 | 70822.32724 | 70822.32724 | 788626 | 788626 | 7328261.760159029 1000804.1299999999 | 70498.37067 | 423129.26329524 | 651414 | 2669388.3897400005 | 1653579.279213789 | 6468813.432919029 | 70822.32724 | 70822.32724 | 788626 | 788626 | 7328261.760159029 Obligations à terme Banques locales | 1866324 | 0 | 0 | 0 | 0 | 0 | 1866324 | 0 | 0 | 0 | 0 | 1866324 Banque à l'étranger | 0 | 0 | 0 | 0 | 659.73434 | 0 | 659.73434 | 0 | 0 | 0 | 0 | 659.73434 Autres | 1925804.87 | 5598.972 | 22372.353654359995 | 0 | 512079.71008999995 | 741426.8826184379 | 3207282.788362798 | 0 | 0 | 83766 | 83766 | 3291048.788362798 3792128.87 | 5598.972 | 22372.353654359995 | 0 | 512739.44443 | 741426.8826184379 | 5074266.522702798 | 0 | 0 | 83766 | 83766 | 5158032.522702798 Autres passifs | 11696 | 265.12252 | 226236.372907278 | 746731 | 815986.70291 | 1822687.7255987278 | 3623602.9239360057 | 85983.27025 | 85983.27025 | 0 | 0 | 3709586.1941860057 34538536.5 | 2723842.2409900003 | 16605368.690802557 | 20513343 | 67563643.79308933 | 89454208.91888927 | 231398943.14377117 | 4485140.649879999 | 4485140.649879999 | 4863164 | 4863164 | 240747247.79365113 AVOIR DES ACTIONNAIRES Capital versé | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves (Prov. Pour pertes sur prêts) Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 34538536.5 | 2723842.2409900003 | 16605368.690802557 | 20513343 | 67563643.79308933 | 89454208.91888927 | 231398943.14377117 | 4485140.649879999 | 4485140.649879999 | 4863164 | 4863164 | 240747247.79365113 Actif devises en % actif total | 0.42402953131245585 | 0.5673815954331705 | 0.576449837990878 | 0.6870882283691784 | 0.6422190389627445 | 0.6534701212303117 | 0.5979516132561244 | 0.5377716892243347 | 0.5377716892243347 | 0.7780853673596444 | 0.7780853673596444 | 0.5995010869840564 Dépôts devises en % dépôts totaux | 0.4791247767893021 | 0.6515943435193638 | 0.7189670292837129 | 0.7927367240161406 | 0.7367606478593811 | 0.734891914553119 | 0.6871960129152658 | 0.8200571254950918 | 0.8200571254950918 | 0.8749075934303862 | 0.8749075934303862 | 0.6919956498407109 93.0256 | 371279.91112123977 | 29280.566220373752 | 178503.21514510585 | 220512.8803254158 | 726290.8682458305 | 961608.5133435234 | 2487475.9544014893 | 48214.04699222579 | 48214.04699222579 | 52277.69560207083 | 52277.69560207083 | 2587967.6969957855 [bilsysbansept. 19gdes ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (GOURDES EXCLUANT LES DEVISES) AU 30 SEPTEMBRE 2019 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 947186 | 97349.5055 | 895452.08204 | 412841 | 2187024.19377 | 1198291.1399 | 5738143.921209999 | 24590.72843 | 24590.72843 | 25209 | 25209 | 5787943.6496399995 Avoirs à la BRH | 15320957 | 582767.78615 | 1880222.00807 | 2643265 | 11544052.978629999 | 16740548.85496 | 48711813.62781 | 261963.45052 | 261963.45052 | 886358 | 886358 | 49860135.07833 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 23650.24709 | 919 | 5592 | 0 | 30161.24709 | 0 | 0 | 0 | 0 | 30161.24709 Autres liquidités | 116794.3 | 4669.17353 | 1453.5477700000001 | 10590 | 115943.90838 | 204020.67698 | 453471.60666 | 4907.80357 | 4907.80357 | 8151 | 8151 | 466530.41023 16384937.3 | 684786.46518 | 2800777.8849700005 | 3067615 | 13852613.080779998 | 18142860.67184 | 54933590.40277 | 291461.98252 | 291461.98252 | 919718 | 919718 | 56144770.385290004 Bons B.R.H. | 1000000 | 540000 | 300000 | 0 | 0 | 0 | 1840000 | 0 | 0 | 0 | 0 | 1840000 Bons du Trésor / M.E.F. | 0 | 410833.33315 | 0 | 0 | 0 | 25000.00004 | 435833.33319000003 | 0 | 0 | 0 | 0 | 435833.33319000003 Autres Placements | 11335369.9 | 0 | 97172.11843 | 884065 | 2900240.8666800004 | 11437710.96995 | 26654558.85506 | 122465.40840000001 | 122465.40840000001 | 0 | 0 | 26777024.26346 Portefeuille net | 13646246 | 15467.924970000051 | 7732303.171729996 | 4330590 | 15666163.019919999 | 12493357.080560002 | 53884127.19718 | 2697399.30688 | 2697399.30688 | 162667 | 162667 | 56744193.50406 Immobilisations | 2162320.96383 | 354057.22569 | 1080246.5478400001 | 804175 | 2927240.25415 | 2625048.9294 | 9953088.92091 | 587881.4545400001 | 587881.4545400001 | 285583 | 285583 | 10826553.37545 Autres actifs | 2408068 | 69694.80275999999 | 188347.019105952 | 309629 | 2328571.3582 | 2720041.46621 | 8024351.646275952 | 166513.21864 | 166513.21864 | 19326 | 19326 | 8210190.864915952 46936942.163830005 | 2074839.7517500003 | 12198846.74207595 | 9396074 | 37674828.57973 | 47444019.11799999 | 155725550.35538596 | 3865721.3709800006 | 3865721.3709800006 | 1387294 | 1387294 | 160978565.72636598 PASSIF Dépôts À vue | 15586798 | 532006.92248 | 2061904.2346400002 | 1976584 | 9115259.69441 | 9935750.783629999 | 39208303.63516 | 300860.16434 | 300860.16434 | 565634 | 565634 | 40074797.799499996 Épargne | 11523901 | 229147.32345 | 1549652.9484 | 1537746 | 9316945.560649997 | 13903834.19251 | 38061227.02501 | 186551.95363 | 186551.95363 | 4 | 4 | 38247782.97864 À terme | 5214191 | 654445.71819 | 2616649.93606 | 1483393 | 4279307.348719999 | 6909003.84715 | 21156990.85012 | 462342.51122999995 | 462342.51122999995 | 4954 | 4954 | 21624287.36135 32324890 | 1415599.9641200001 | 6228207.119100001 | 4997723 | 22711512.603779994 | 30748588.823289998 | 98426521.51029 | 949754.6292 | 949754.6292 | 570592 | 570592 | 99946868.13949 Obligations à vue Banques locales | 0 | 0 | 0 | 400000 | 0 | 0 | 400000 | 0 | 0 | 0 | 0 | 400000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1578030.25 | 120366.99872 | 658061.31124 | 389161 | 2045638.2012200002 | 1527342.4872 | 6318600.248380001 | 89973.62784 | 89973.62784 | 362607 | 362607 | 6771180.876220001 1578030.25 | 120366.99872 | 658061.31124 | 789161 | 2045638.2012200002 | 1527342.4872 | 6718600.248380001 | 89973.62784 | 89973.62784 | 362607 | 362607 | 7171180.876220001 Obligations à terme Banques locales | 2506779 | 24999.99982 | 2246940.63127 | 609610 | 4003233.8392 | 2690584.06942 | 12082147.53971 | 1945749.74799 | 1945749.74799 | 0 | 0 | 14027897.287700001 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2105860 | 527907.30977 | 195712.31387 | 180533 | 230843.4636 | 238299.99919 | 3479156.08643 | 102014.82672 | 102014.82672 | 16888 | 16888 | 3598058.91315 4612639 | 552907.3095900001 | 2442652.94514 | 790143 | 4234077.3028 | 2928884.06861 | 15561303.62614 | 2047764.57471 | 2047764.57471 | 16888 | 16888 | 17625956.200850002 Autres passifs | 1081380.2 | 26594.789109999998 | 23965.400920000004 | 78101 | 1225640.3628 | 153161.66102 | 2588843.4138499997 | 81955.61518 | 81955.61518 | 0 | 0 | 2670799.02903 39596939.45 | 2115469.06154 | 9352886.7764 | 6655128 | 30216868.47059999 | 35357977.04012 | 123295268.79866 | 3169448.44693 | 3169448.44693 | 950087 | 950087 | 127414804.24559 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 728502.76157 | 810000 | 1500000 | 6404700 | 12608202.76157 | 250000 | 250000 | 103837 | 103837 | 12962039.76157 Réserves | 959252 | 78594.77100000001 | 360099.69334 | 358225 | 2480397.4225700004 | 1395127.22788 | 5631696.114790001 | 305532.74332999997 | 305532.74332999997 | 59288 | 59288 | 5996516.858120001 Réserves (Prov. Pour pertes sur prêts) | 159999.9 | 0 | 0 | 0 | 0 | 0 | 159999.9 | 0 | 0 | 0 | 0 | 159999.9 Surplus d'apport | 0 | 14325 | 1170091.23698 | 1384 | 376690.93492 | 0 | 1562491.1719 | 0 | 0 | 0 | 0 | 1562491.1719 BNR | 3237197 | -301226.71992999996 | 584472.340098 | 1689790 | 3163778.386000003 | 4299756.9795200005 | 12673767.985688005 | 153107.5009 | 153107.5009 | 275100 | 275100 | 13101975.486588005 7356448.9 | -43306.948929999955 | 2843166.031988 | 2859399 | 7520866.743490003 | 12099584.207400002 | 32636157.933948003 | 708640.24423 | 708640.24423 | 438225 | 438225 | 33783023.178178005 46953388.35 | 2072162.1126100002 | 12196052.808388 | 9514527 | 37737735.21408999 | 47457561.24752 | 155931426.732608 | 3878088.69116 | 3878088.69116 | 1388312 | 1388312 | 161197827.423768 [bilsysbajuin 19] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 JUIN 2019 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 11982283 | 315614.78811 | 1113361.989213056 | 993076 | 3495711.0859899996 | 2749285.8549670875 | 20649332.718280144 | 42897.90518 | 42897.90518 | 42580 | 42580 | 20734810.623460144 Avoirs à la BRH | 17747695 | 1635193.81648 | 9439364.16129016 | 10205637 | 37420113.96376 | 49879392.84955875 | 126327396.79108891 | 1729215.8649 | 1729215.8649 | 3909172 | 3909172 | 131965784.6559889 Avoirs à l'étranger | 1202134 | 205346.76658 | 458562.38617860794 | 3218982 | 3407569.6204 | 6343710.650730044 | 14836305.423888652 | 0 | 0 | 809139 | 809139 | 15645444.423888652 Avoirs dans les banques locales | 0 | 0 | 21109.625523824 | 1758 | 6325 | 0 | 29192.625523824 | 113162.24510999999 | 113162.24510999999 | 0 | 0 | 142354.870633824 Autres liquidités | 278630 | 110557.61192 | 55611.311322464 | 289557 | 160621.41852 | 1170631.7272742563 | 2065609.0690367203 | 27190.90036 | 27190.90036 | 251208 | 251208 | 2344007.9693967206 31210742 | 2266712.98309 | 11088009.47352811 | 14709010 | 44490341.08867 | 60143021.08253013 | 163907836.62781826 | 1912466.91555 | 1912466.91555 | 5012099 | 5012099 | 170832402.54336822 Bons B.R.H. | 2700000 | 426000 | 0 | 0 | 0 | 0 | 3126000 | 0 | 0 | 0 | 0 | 3126000 Bons du Trésor / M.E.F. | 6100000 | 292414.23022 | 0 | 0 | 0 | 71682.89429 | 6464097.12451 | 0 | 0 | 0 | 0 | 6464097.12451 Autres Placements | 14866470 | 35010.78178 | 275445.80895409605 | 1840481 | 19691555.809370004 | 29903002.573021054 | 66611965.97312515 | 926427.06897 | 926427.06897 | 0 | 0 | 67538393.04209515 Portefeuille net | 19740447 | 779968.12146 | 14688171.299303299 | 11118727 | 32194562.729650002 | 38529961.175417 | 117051837.32583031 | 4683890.061249999 | 4683890.061249999 | 679685 | 679685 | 122415412.38708031 Immobilisations | 2169508.45983 | 353895.38969 | 932043.11814 | 777888 | 2869940.6394499997 | 2539286.7570399996 | 9642562.364149999 | 554550.66622 | 554550.66622 | 288888 | 288888 | 10486001.030369999 Autres actifs | 2533069.5 | 303682.72689 | 362200.27670878824 | 718008 | 2929500.7683900003 | 3260633.6651251838 | 10107094.937113972 | 180037.43271999998 | 180037.43271999998 | 21460 | 21460 | 10308592.369833972 79320236.95983 | 4457684.2331300005 | 27345869.976634294 | 29164114 | 102175901.03553 | 134447588.1474234 | 376911394.3525477 | 8257372.144709999 | 8257372.144709999 | 6002132 | 6002132 | 391170898.4972576 PASSIF Dépôts À vue | 30754337 | 1893008.27036 | 7073515.86379707 | 9262760 | 33767611.934263065 | 44624601.117652364 | 127375834.1860725 | 2073396.5533099999 | 2073396.5533099999 | 3737546 | 3737546 | 133186776.7393825 Épargne | 20557113 | 453243.14145 | 4063563.12600971 | 5530043 | 28702730.978004172 | 43511240.18425867 | 102817933.42972255 | 768532.71214 | 768532.71214 | 557559 | 557559 | 104144025.14186254 À terme | 10274182 | 1722546.59852 | 9213858.421451889 | 8803045 | 22132008.02482242 | 24578501.850660704 | 76724141.895455 | 2290467.42385 | 2290467.42385 | 49293 | 49293 | 79063902.319305 61585632 | 4068798.01033 | 20350937.411258668 | 23595848 | 84602350.93708965 | 112714343.15257174 | 306917909.51125 | 5132396.6893 | 5132396.6893 | 4344398 | 4344398 | 316394704.2005501 Obligations à vue Banques locales | 0 | 0 | 0 | 400000 | 0 | 0 | 400000 | 0 | 0 | 0 | 0 | 400000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2964770.5 | 149192.0974 | 1414164.4534648322 | 967747 | 3782334.43556 | 3284028.938525224 | 12562237.424950058 | 140273.03512000002 | 140273.03512000002 | 922190 | 922190 | 13624700.460070057 2964770.5 | 149192.0974 | 1414164.4534648322 | 1367747 | 3782334.43556 | 3284028.938525224 | 12962237.424950058 | 140273.03512000002 | 140273.03512000002 | 922190 | 922190 | 14024700.460070057 Obligations à terme Banques locales | 2530859 | 37499.99983 | 2279178.83241 | 637249 | 3159665.53771 | 2951006.3766099997 | 11595458.74656 | 2037068.24095 | 2037068.24095 | 0 | 0 | 13632526.98751 Banque à l'étranger | 0 | 0 | 0 | 0 | 334971.40664 | 0 | 334971.40664 | 0 | 0 | 0 | 0 | 334971.40664 Autres | 3935010 | 230079.26776 | 271256.548848056 | 138694 | 937864.2086100001 | 905864.650602224 | 6418768.675820281 | 98676.59745 | 98676.59745 | 297097 | 297097 | 6814542.273270281 6465869 | 267579.26759 | 2550435.3812580556 | 775943 | 4432501.152960001 | 3856871.027212224 | 18349198.82902028 | 2135744.8384 | 2135744.8384 | 297097 | 297097 | 20782040.667420283 Autres passifs | 1133403.5 | 16117.721629999998 | 260462.750567728 | 794723 | 1946196.19222 | 2915743.173664944 | 7066646.338082672 | 187183.27197 | 187183.27197 | 0 | 0 | 7253829.610052672 72149675 | 4501687.09695 | 24575999.996549282 | 26534261 | 94763382.71782966 | 122770986.29197413 | 345295992.1033031 | 7595597.83479 | 7595597.83479 | 5563685 | 5563685 | 358455274.93809307 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 729502.76157 | 810000 | 1500000 | 6405950 | 12610452.76157 | 250000 | 250000 | 103837 | 103837 | 12964289.76157 Réserves | 929252 | 78594.77100000001 | 345931.59179 | 346086 | 2633808.02281 | 1289213.7989700001 | 5622886.18457 | 305797.94869 | 305797.94869 | 59288 | 59288 | 5987972.13326 Réserves (Prov. Pour pertes sur prêts) | 160000 | 0 | 0 | 0 | 0 | 0 | 160000 | 0 | 0 | 0 | 0 | 160000 Surplus d'apport | 0 | 14325 | 1179547.55698 | 1384 | 376690.93492 | 0 | 1571947.4919000003 | 0 | 0 | 0 | 0 | 1571947.4919000003 BNR | 3081310 | -301922.63482 | 514888.069745 | 1472383 | 2902019.35998 | 3981438.0579000004 | 11650115.852805 | 105976.36108999998 | 105976.36108999998 | 275322 | 275322 | 12031414.213895 7170562 | -44002.86381999997 | 2769869.980085 | 2629853 | 7412518.31771 | 11676601.85687 | 31615402.290845 | 661774.30978 | 661774.30978 | 438447 | 438447 | 32715623.600625 79320237 | 4457684.2331300005 | 27345869.976634283 | 29164114 | 102175901.03553966 | 134447588.14884412 | 376911394.394148 | 8257372.14457 | 8257372.14457 | 6002132 | 6002132 | 391170898.53871804 Hors-bilan Effets à l'encaissement | 1132939 | 0 | 0 | 0 | 30042.307989999998 | 2864.298906772 | 1165845.6068967718 | 0 | 0 | 0 | 0 | 1165845.6068967718 Crédit documentaire | 375940 | 0 | 0 | 0 | 1583434.9459099998 | 1436801.892076672 | 3396176.837986672 | 0 | 0 | 0 | 0 | 3396176.837986672 Autres | 8643090 | 245243.60669952 | 873943.795979488 | 362887 | 4214526.60703 | 1567525.876719824 | 15907216.886428833 | 482992.97388999996 | 482992.97388999996 | 1660053.0692 | 1660053.0692 | 18050262.929518834 Portefeuille brut | 20556136 | 1419406.15287 | 14826167.01645421 | 11168927 | 33221405.85139 | 38865192.023017 | 120057234.04373121 | 4844420.9065499995 | 4844420.9065499995 | 679685 | 679685 | 125581339.95028122 Provisions pour créances douteuses | 815689 | 639438.03141 | 137995.71715091198 | 50200 | 1026843.1217400001 | 335230.8476 | 3005396.7179009123 | 160530.8452999999 | 160530.8452999999 | 0 | 0 | 3165927.563200912 Portefeuille de crédit improductif | 5192962 | 1002610.2359563679 | 147567.001349392 | 71312 | 1989100 | 70059.03913 | 8473610.27643576 | 903999.892 | 903999.892 | 0 | 0 | 9377610.16843576 Dépôts US convertis | 29733907.5 | 2647479.7758 | 15933630.70094568 | 19115198 | 63565529.256009325 | 85236515.03145832 | 216232260.26421332 | 4328335.05239 | 4328335.05239 | 3990772 | 3990772 | 224551367.31660333 Immobilisation /A | 0.30255766003138945 | -8.042553574186895 | 0.33649345450915286 | 0.2957914377723774 | 0.3871748461778682 | 0.21746795755873058 | 0.30499571934728265 | 0.8379755122321908 | 0.8379755122321908 | 0.6588892158003133 | 0.6588892158003133 | 0.32051967458659947 Liquidité en % de l'actif | 0.5044203539162719 | 0.6696587414434172 | 0.4054729099129876 | 0.5043530552651111 | 0.43542890875216467 | 0.4478674910166034 | 0.46031490783227763 | 0.2316072089321059 | 0.2316072089321059 | 0.8350531111278459 | 0.8350531111278459 | 0.46123702034327874 Liquidité en % des dépôts | 0.6496765674175431 | 0.733663161880059 | 0.5448402326368482 | 0.6233728069446794 | 0.5258759431136026 | 0.5342239709041524 | 0.5652910057566018 | 0.37262648063371706 | 0.37262648063371706 | 1.1536924103178392 | 1.1536924103178392 | 0.5702450049654293 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 60143021.08253013 | BNC | 2700000 | UNIBK | 38529961.175417 | UNIBK | 11676601.85687 SOGEBK | 44490341.08867 | BPH | 426000 | SOGEBK | 32194562.729650002 | BNC | 7170562 BNC | 31210742 | BUH | 0 | BNC | 19740447 | SOGEBK | 7412518.31771 CAPITALBK | 14709010 | SOGEBK | 0 | BUH | 14688171.299303299 | BUH | 2769869.980085 BUH | 11088009.47352811 | UNIBK | 0 | CAPITALBK | 11118727 | CAPITALBK | 2629853 CBNA | 5012099 | CAPITALBK | 0 | SOGEBL | 4683890.061249999 | SOGEBL | 661774.30978 BPH | 2266712.98309 | CBNA | 0 | BPH | 779968.12146 | CBNA | 438447 SOGEBL | 1912466.91555 | SOGEBL | 0 | CBNA | 679685 | BPH | -44002.86381999997 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbamars 19] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 MARS 2019 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 10219347 | 293214.81256 | 1064538.969822606 | 769587 | 3880931.9773700004 | 1929812.1157411272 | 18157431.87549373 | 60793.504 | 60793.504 | 82525 | 82525 | 18300750.379493732 Avoirs à la BRH | 18142235 | 1135517.7644500001 | 8656885.216607684 | 9147558 | 34535765.91595 | 47466999.96711744 | 119084961.86412512 | 1530229.82851 | 1530229.82851 | 3693203 | 3693203 | 124308394.69263512 Avoirs à l'étranger | 1090825 | 232343.79689 | 1097033.031506002 | 2945009 | 2735106.4589 | 6276708.831676748 | 14377026.118972749 | 0 | 0 | 1049356 | 1049356 | 15426382.118972749 Avoirs dans les banques locales | 0 | 0 | 20629.760199634 | 1473 | 9803.645629999999 | 0 | 31906.405829634 | 56237.67116 | 56237.67116 | 0 | 0 | 88144.07698963399 Autres liquidités | 416675 | 34550.39956 | 121396.47731007599 | 347994 | 215705.66144999999 | 889524.7425957681 | 2025846.280915844 | 17735.44137 | 17735.44137 | 38825 | 38825 | 2082406.722285844 29869082 | 1695626.77346 | 10960483.455446003 | 13211621 | 41377313.6593 | 56563045.65713108 | 153677172.54533708 | 1664996.4450399997 | 1664996.4450399997 | 4863909 | 4863909 | 160206077.99037707 Bons B.R.H. | 4100000 | 565000 | 200000 | 0 | 0 | 0 | 4865000 | 0 | 0 | 0 | 0 | 4865000 Bons du Trésor / M.E.F. | 8750000 | 355995.12749 | 0 | 0 | 0 | 418365.78854 | 9524360.91603 | 0 | 0 | 0 | 0 | 9524360.91603 Autres Placements | 10059588 | 31089.33607 | 283318.86777200404 | 1744887 | 17879676.08301 | 28865326.476836205 | 58863885.76368821 | 851105.37952 | 851105.37952 | 0 | 0 | 59714991.143208206 Portefeuille net | 17556756.5 | 722392.17602 | 13298521.815699294 | 10321864 | 31577300.622840002 | 35450421.88017 | 108927256.9947293 | 4495599.1914099995 | 4495599.1914099995 | 503049 | 503049 | 113925905.1861393 Immobilisations | 2132170.5222099996 | 319366.44593000005 | 891251.38105 | 785314 | 2849426.6692399997 | 2445558.427 | 9423087.44543 | 542703.82237 | 542703.82237 | 295096 | 295096 | 10260887.2678 Autres actifs | 2496428 | 271507.22206 | 365277.9635391539 | 1128326 | 5531250.350039999 | 3459026.49538748 | 13251816.031026632 | 174556.97959 | 174556.97959 | 31161 | 31161 | 13457534.010616632 74964025.02221 | 3960977.08103 | 25998853.483506456 | 27192012 | 99214967.38443 | 127201744.72506477 | 358532579.69624114 | 7728961.817929999 | 7728961.817929999 | 5693215 | 5693215 | 371954756.5141712 PASSIF Dépôts À vue | 30208280 | 1592597.74068 | 7110121.93054528 | 9139395 | 33195265.592683624 | 43251630.092411 | 124497290.3563199 | 1823062.3843899998 | 1823062.3843899998 | 3711308 | 3711308 | 130031660.7407099 Épargne | 19185109 | 421417.02674 | 3667433.95188314 | 5024319 | 26436872.480796922 | 40150733.39453196 | 94885884.85395202 | 745251.48041 | 745251.48041 | 500470 | 500470 | 96131606.33436202 À terme | 9276546 | 1580947.6429599999 | 7903569.770139838 | 7963769 | 20190589.18565865 | 24601156.218195956 | 71516577.81695445 | 2036690.8854 | 2036690.8854 | 44318 | 44318 | 73597586.70235445 58669935 | 3594962.41038 | 18681125.65256826 | 22127483 | 79822727.2591392 | 108003519.7051389 | 290899753.0272264 | 4605004.7502 | 4605004.7502 | 4256096 | 4256096 | 299760853.77742636 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2391094 | 137439.4435 | 1745932.8454975758 | 848131 | 3183620.3255 | 1683510.2548142478 | 9989727.869311824 | 176817.01948 | 176817.01948 | 894863 | 894863 | 11061407.888791824 2391094 | 137439.4435 | 1745932.8454975758 | 848131 | 3183620.3255 | 1683510.2548142478 | 9989727.869311824 | 176817.01948 | 176817.01948 | 894863 | 894863 | 11061407.888791824 Obligations à terme Banques locales | 2113040 | 49999.99984 | 2327536.13412 | 622163 | 4924646.97991 | 3023024.35248 | 13060410.46635 | 2023255.64181 | 2023255.64181 | 0 | 0 | 15083666.10816 Banque à l'étranger | 0 | 0 | 0 | 0 | 1040299.0017799999 | 0 | 1040299.0017799999 | 0 | 0 | 0 | 0 | 1040299.0017799999 Autres | 3741617 | 204039.33647 | 208158.09206621503 | 89143 | 1361673.7403200003 | 789731.33464254 | 6394362.503498754 | 88060.29406 | 88060.29406 | 105657 | 105657 | 6588079.797558755 5854657 | 254039.33631 | 2535694.226186215 | 711306 | 7326619.72201 | 3812755.6871225396 | 20495071.971628755 | 2111315.93587 | 2111315.93587 | 105657 | 105657 | 22712044.907498755 Autres passifs | 1017117 | 11781.68456 | 220194.148314388 | 1162590 | 1858295.25536 | 1750269.689859218 | 6020247.778093606 | 175475.27938000002 | 175475.27938000002 | 0 | 0 | 6195723.057473606 67932803 | 3998222.87475 | 23182946.872566435 | 24849510 | 92191262.5620092 | 115250055.33693491 | 327404800.64626056 | 7068612.98493 | 7068612.98493 | 5256616 | 5256616 | 339730029.63119054 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 733027.51157 | 810000 | 1500000 | 6405950 | 12613977.51157 | 250000 | 250000 | 103837 | 103837 | 12967814.51157 Réserves | 721981 | 78594.77100000001 | 319739.92462 | 341698 | 2466082.2736 | 1318888.34426 | 5246984.31348 | 290322.19877 | 290322.19877 | 59288 | 59288 | 5596594.51225 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 0 | 0 | 0 | 0 | 194000 | 0 | 0 | 0 | 0 | 194000 Surplus d'apport | 0 | 14325 | 1209904.93985 | 1384 | 376690.93492 | 0 | 1602304.87477 | 0 | 0 | 0 | 0 | 1602304.87477 BNR | 3115241 | -295165.56471999997 | 553234.2349 | 1189420 | 2680931.6139000007 | 4226851.039589999 | 11470512.32367 | 120026.63386999999 | 120026.63386999999 | 273474 | 273474 | 11864012.95754 7031222 | -37245.79371999996 | 2815906.61094 | 2342502 | 7023704.822420001 | 11951689.383849999 | 31127779.023490004 | 660348.83264 | 660348.83264 | 436599 | 436599 | 32224726.856129996 74964025 | 3960977.08103 | 25998853.483506434 | 27192012 | 99214967.3844292 | 127201744.7207849 | 358532579.6697505 | 7728961.81757 | 7728961.81757 | 5693215 | 5693215 | 371954756.48732054 Hors-bilan Effets à l'encaissement | 992903 | 0 | 0 | 0 | 152874.67580000003 | 2274.240087058 | 1148051.915887058 | 0 | 0 | 0 | 0 | 1148051.915887058 Crédit documentaire | 339205 | 0 | 0 | 0 | 1618930.42626 | 1183419.885489608 | 3141555.3117496083 | 0 | 0 | 0 | 0 | 3141555.3117496083 Autres | 10017152 | 254021.018081366 | 686967.210985885 | 463423 | 4832197.41481 | 1366816.714956799 | 17620577.35883405 | 477277.803385 | 477277.803385 | 1660053.0692000003 | 1660053.0692000003 | 19757908.231419053 Portefeuille brut | 18211998.5 | 1358203.95292 | 13405282.29824907 | 10367518 | 32453093.0511 | 35729905.27001 | 111526001.07227907 | 4623686.5651899995 | 4623686.5651899995 | 503049 | 503049 | 116652736.63746907 Provisions pour créances douteuses | 655242 | 635811.7769 | 106760.482549776 | 45654 | 875792.42826 | 279483.38984 | 2598744.0775497756 | 128087.37378 | 128087.37378 | 0 | 0 | 2726831.4513297756 Portefeuille de crédit improductif | 1495429 | 940960.2003641159 | 106344.466741842 | 42823 | 1807058 | 60196.73936 | 4452811.406465958 | 629156.6022300001 | 629156.6022300001 | 0 | 0 | 5081968.008695958 Dépôts US convertis | 62058797.5 | 4063079.73992 | 22161837.82004568 | 24112921 | 86277041.85978931 | 115985103.85474831 | 314658781.7745033 | 5278089.68159 | 5278089.68159 | 4561364 | 4561364 | 324498235.4560933 Immobilisation /A | 0.3032432374073809 | -8.574564105973371 | 0.3165060153584015 | 0.33524581836002704 | 0.40568713254356786 | 0.20462031336796774 | 0.30272276857012637 | 0.821844145919561 | 0.821844145919561 | 0.6758971046658375 | 0.6758971046658375 | 0.3184165784743683 Liquidité en % de l'actif | 0.5698611032070835 | 0.6606001113921067 | 0.42926829302400427 | 0.4858640471326653 | 0.4170470922897609 | 0.4479609267060866 | 0.46876223523049915 | 0.21542303924667666 | 0.21542303924667666 | 0.854334326035465 | 0.854334326035465 | 0.46939966716020504 Liquidité en % des dépôts | 0.7281256064115291 | 0.7278579306962528 | 0.5974202873535982 | 0.5970684058372115 | 0.5183650707018728 | 0.5275884674984334 | 0.5777472538645886 | 0.3615623729742488 | 0.3615623729742488 | 1.1428099836093923 | 1.1428099836093923 | 0.5824490980268053 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 56563045.65713108 | BNC | 4100000 | UNIBK | 35450421.88017 | UNIBK | 11951689.383849999 SOGEBK | 41377313.6593 | BPH | 565000 | SOGEBK | 31577300.622840002 | BNC | 7031222 BNC | 29869082 | BUH | 200000 | BNC | 17556756.5 | SOGEBK | 7023704.822420001 CAPITALBK | 13211621 | SOGEBK | 0 | BUH | 13298521.815699294 | BUH | 2815906.61094 BUH | 10960483.455446003 | UNIBK | 0 | CAPITALBK | 10321864 | CAPITALBK | 2342502 CBNA | 4863909 | CAPITALBK | 0 | SOGEBL | 4495599.1914099995 | SOGEBL | 660348.83264 BPH | 1695626.77346 | CBNA | 0 | BPH | 722392.17602 | CBNA | 436599 SOGEBL | 1664996.4450399997 | SOGEBL | 0 | CBNA | 503049 | BPH | -37245.79371999996 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandéc.18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 DECEMBRE 2018 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 9033083 | 171789.12006000002 | 936195.5229929971 | 711643 | 2934600.8126100004 | 2225294.7669494213 | 16012606.222612418 | 43873.57762 | 43873.57762 | 102454 | 102454 | 16158933.800232418 Avoirs à la BRH | 18577168 | 1036059.12276 | 6812077.946619324 | 8442509 | 32351838.14929 | 43418814.64149393 | 110638466.86016326 | 1373337.94816 | 1373337.94816 | 4980375 | 4980375 | 116992179.80832325 Avoirs à l'étranger | 1535542 | 420285.21962 | 809536.142442291 | 2748317 | 3482506.0780800004 | 5764792.633714011 | 14760979.073856303 | 0 | 0 | 1059358 | 1059358 | 15820337.073856303 Avoirs dans les banques locales | 0 | 0 | 20381.146093474003 | 2113 | 7509.365669999999 | 0 | 30003.511763474 | 114547.79957999999 | 114547.79957999999 | 0 | 0 | 144551.311343474 Autres liquidités | 629530 | 83326.0472 | 5534.282145246001 | 235475 | 174819.34513 | 1040449.4812264551 | 2169134.155701701 | 18128.01823 | 18128.01823 | 53830 | 53830 | 2241092.173931701 29775323 | 1711459.5096399998 | 8583725.040293334 | 12140057 | 38951273.750779994 | 52449351.52338382 | 143611189.82409716 | 1549887.3435899997 | 1549887.3435899997 | 6196017 | 6196017 | 151357094.16768712 Bons B.R.H. | 7550000 | 751000 | 400000 | 0 | 320000 | 0 | 9021000 | 0 | 0 | 0 | 0 | 9021000 Bons du Trésor / M.E.F. | 4525420 | 139156.02476 | 0 | 0 | 0 | 165048.68279 | 4829624.70755 | 0 | 0 | 0 | 0 | 4829624.70755 Autres Placements | 10255433 | 29050.23698 | 376585.850866094 | 1678962 | 16764742.67946 | 26590182.49204907 | 55694956.259355165 | 818296.44007 | 818296.44007 | 0 | 0 | 56513252.69942517 Portefeuille net | 16927589 | 730501.51751 | 12423672.27385414 | 10558877 | 30004764.64312 | 36315495.97061 | 106960900.40509415 | 4456461.4543200005 | 4456461.4543200005 | 509944 | 509944 | 111927305.85941415 Immobilisations | 2066845.3706900002 | 307608.41051 | 762474.3640000001 | 793098 | 2883937.75426 | 2420480.15645 | 9234444.05591 | 531664.78536 | 531664.78536 | 298281 | 298281 | 10064389.84127 Autres actifs | 2278947 | 261822.96198 | 335728.328416596 | 635637 | 3364180.3842200004 | 3861660.820223915 | 10737976.494840512 | 150853.99872000003 | 150853.99872000003 | 31791 | 31791 | 10920621.493560512 73379557.37069 | 3930598.66138 | 22882185.857430164 | 25806631 | 92288899.21184 | 121802219.64550681 | 340090091.7468469 | 7507164.022060001 | 7507164.022060001 | 7036033 | 7036033 | 354633288.7689069 PASSIF Dépôts À vue | 30616034 | 1653907.58055 | 5659380.822246235 | 8746627 | 29952248.416572273 | 43310024.071331784 | 119938221.8907003 | 1856295.49885 | 1856295.49885 | 5024173 | 5024173 | 126818690.3895503 Épargne | 18239741 | 403268.26254 | 3402021.1203855285 | 4652582 | 25379429.74964194 | 37375169.12160332 | 89452211.25417078 | 744706.2467700001 | 744706.2467700001 | 449851 | 449851 | 90646768.50094077 À terme | 8487823.39 | 1495458.1973299999 | 7402074.233615539 | 7479794 | 19271174.773094084 | 23789733.763962902 | 67926058.35800251 | 1869191.6593899997 | 1869191.6593899997 | 41728 | 41728 | 69836978.01739252 57343598.39 | 3552634.04042 | 16463476.176247302 | 20879003 | 74602852.9393083 | 104474926.956898 | 277316491.50287354 | 4470193.40501 | 4470193.40501 | 5515752 | 5515752 | 287302436.9078836 Obligations à vue Banques locales | 0 | 0 | 0 | 300000 | 0 | 2275810.1933500003 | 2575810.1933500003 | 0 | 0 | 0 | 0 | 2575810.1933500003 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2233417 | 143684.65585 | 968799.44096246 | 882557 | 3259001.1612299997 | 1528920.7969596423 | 9016380.055002103 | 135087.39135 | 135087.39135 | 1009568 | 1009568 | 10161035.446352102 2233417 | 143684.65585 | 968799.44096246 | 1182557 | 3259001.1612299997 | 3804730.9903096426 | 11592190.248352103 | 135087.39135 | 135087.39135 | 1009568 | 1009568 | 12736845.639702102 Obligations à terme Banques locales | 2154220 | 62499.99985 | 2375893.43583 | 572090 | 2017389.03244 | 0 | 7182092.46812 | 1909101.16527 | 1909101.16527 | 0 | 0 | 9091193.63339 Banque à l'étranger | 0 | 0 | 0 | 0 | 2233685.36856 | 0 | 2233685.36856 | 0 | 0 | 0 | 0 | 2233685.36856 Autres | 3738178 | 200514.28162 | 246350.13919569098 | 109496 | 1084813.9620299998 | 530526.76403353 | 5909879.146879221 | 79292.39699000001 | 79292.39699000001 | 97126 | 97126 | 6086297.543869222 5892398 | 263014.28147 | 2622243.5750256907 | 681586 | 5335888.36303 | 530526.76403353 | 15325656.983559221 | 1988393.56226 | 1988393.56226 | 97126 | 97126 | 17411176.545819223 Autres passifs | 1099512 | 7804.6824400000005 | 236814.15382619202 | 782082 | 1975846.9746 | 1749540.4085097162 | 5851600.219375908 | 164346.62674 | 164346.62674 | 0 | 0 | 6015946.846115909 66568925.39 | 3967137.66018 | 20291333.346061647 | 23525228 | 85173589.4381683 | 110559725.11975089 | 310085938.9541608 | 6758020.98536 | 6758020.98536 | 6622446 | 6622446 | 323466405.93952084 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 729924.2646 | 810000 | 1500000 | 6431912.5 | 12636836.7646 | 250000 | 250000 | 103837 | 103837 | 12990673.7646 Réserves | 721981 | 78594.77100000001 | 266622.46907 | 279593 | 2261528.10928 | 764605.71795 | 4372925.067299999 | 302262.08444 | 302262.08444 | 59288 | 59288 | 4734475.15174 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 0 | 0 | 0 | 0 | 194000 | 0 | 0 | 0 | 0 | 194000 Surplus d'apport | 0 | 14325 | 1141670.62557 | 1384 | 376690.93492 | 0 | 1534070.56049 | 0 | 0 | 0 | 0 | 1534070.56049 BNR | 2894651 | -294458.76979999995 | 452635.1521446 | 1190426 | 2977090.729479999 | 4045976.30802 | 11266320.419844598 | 196880.95242 | 196880.95242 | 250462 | 250462 | 11713663.372264598 6810632 | -36538.99879999994 | 2590852.5113846003 | 2281403 | 7115309.773679999 | 11242494.525969999 | 30004152.812234595 | 749143.03686 | 749143.03686 | 413587 | 413587 | 31166882.8490946 73379557.39 | 3930598.6613800004 | 22882185.857446246 | 25806631 | 92288899.2118483 | 121802219.64572088 | 340090091.76639533 | 7507164.022220001 | 7507164.022220001 | 7036033 | 7036033 | 354633288.78861535 Hors-bilan Effets à l'encaissement | 907521 | 0 | 0 | 0 | 163256.20395 | 18390.350251979 | 1089167.554201979 | 0 | 0 | 0 | 0 | 1089167.554201979 Crédit documentaire | 341342 | 0 | 0 | 0 | 1366941.83391 | 1222879.504750739 | 2931163.3386607394 | 0 | 0 | 0 | 0 | 2931163.3386607394 Autres | 11126198 | 215805.56107147303 | 2506057.600013139 | 446713 | 5704283.398820001 | 1894680.824758106 | 21893738.384662718 | 382897.31029000005 | 382897.31029000005 | 1660053.0692 | 1660053.0692 | 23936688.76415272 Portefeuille brut | 17495759 | 1372563.06262 | 12502971.995279819 | 10604323 | 30816604.357869998 | 36569648.65254 | 109361870.06830981 | 4577759.0743 | 4577759.0743 | 509944 | 509944 | 114449573.14260982 Provisions pour créances douteuses | 568170 | 642061.54511 | 79299.721425678 | 45446 | 811839.71475 | 254152.68193 | 2400969.663215678 | 121297.61998 | 121297.61998 | 0 | 0 | 2522267.283195678 Portefeuille de crédit improductif | 1400801 | 907810.8677802401 | 48507.753128644 | 50638 | 483680 | 50182.00129 | 2941619.6221988844 | 398628.24216 | 398628.24216 | 0 | 0 | 3340247.8643588843 Dépôts US convertis | 29733907.5 | 2647479.7758 | 15933630.70094568 | 19115198 | 63565529.256009325 | 85236515.03145832 | 216232260.26421332 | 4328335.05239 | 4328335.05239 | 3990772 | 3990772 | 224551367.31660333 Immobilisation /A | 0.30347335910822965 | -8.418632710593059 | 0.29429477774190993 | 0.3476360818321007 | 0.4053144340851998 | 0.21529742806267116 | 0.3077721978587088 | 0.7096972930409251 | 0.7096972930409251 | 0.7212049701755616 | 0.7212049701755616 | 0.3229193593084132 Liquidité en % de l'actif | 0.570332453609436 | 0.6618878594658134 | 0.3926078171144735 | 0.470423938715596 | 0.42552543248605323 | 0.4319658571026273 | 0.463000300075949 | 0.20645443992373344 | 0.20645443992373344 | 0.8806122711476765 | 0.8806122711476765 | 0.465855079337724 Liquidité en % des dépôts | 0.7298241508209614 | 0.7323060874833117 | 0.5456760737598426 | 0.581448117996822 | 0.5264044497430732 | 0.503607915685649 | 0.5678054474088697 | 0.3467159478721777 | 0.3467159478721777 | 1.1233313245410599 | 1.1233313245410599 | 0.5750306911883483 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 52449351.52338382 | BNC | 7550000 | UNIBK | 36315495.97061 | UNIBK | 11242494.525969999 SOGEBK | 38951273.750779994 | BPH | 751000 | SOGEBK | 30004764.64312 | SOGEBK | 7115309.773679999 BNC | 29775323 | BUH | 400000 | BNC | 16927589 | BNC | 6810632 CAPITALBK | 12140057 | SOGEBK | 320000 | BUH | 12423672.27385414 | BUH | 2590852.5113846003 BUH | 8583725.040293334 | UNIBK | 0 | CAPITALBK | 10558877 | CAPITALBK | 2281403 CBNA | 6196017 | CAPITALBK | 0 | SOGEBL | 4456461.4543200005 | SOGEBL | 749143.03686 BPH | 1711459.5096399998 | CBNA | 0 | BPH | 730501.51751 | CBNA | 413587 SOGEBL | 1549887.3435899997 | SOGEBL | 0 | CBNA | 509944 | BPH | -36538.99879999994 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbansept.18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2018 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 8704118 | 156341.89627000003 | 633571.457662072 | 662390 | 3231924.03163 | 1358763.6363249 | 14747109.02188697 | 41242.64961 | 41242.64961 | 53823 | 53823 | 14842174.67149697 Avoirs à la BRH | 16208877 | 973311.89836 | 6668594.875817301 | 7980137 | 30082965.03723 | 41662387.0014197 | 103576272.81282699 | 1288027.99239 | 1288027.99239 | 4283082 | 4283082 | 109147382.805217 Avoirs à l'étranger | 523376 | 143346.31372 | 583225.29673392 | 1533599 | 2148084.07039 | 3033594.8964456515 | 7965225.577289571 | 0 | 0 | 1126364 | 1126364 | 9091589.57728957 Avoirs dans les banques locales | 0 | 0 | 20053.356545436 | 1524 | 7870.54654 | 0 | 29447.903085436 | 1111022.35781 | 1111022.35781 | 0 | 0 | 1140470.260895436 Autres liquidités | 209237 | 24261.7074 | 239978.29635888204 | 259499 | 72354.36994 | 1046555.779516078 | 1851886.15321496 | 22518.72334 | 22518.72334 | 123677 | 123677 | 1998081.87655496 25645608 | 1297261.8157499998 | 8145423.283117611 | 10437149 | 35543198.05573 | 47101301.31370633 | 128169941.46830393 | 2462811.72315 | 2462811.72315 | 5586946 | 5586946 | 136219699.19145393 Bons B.R.H. | 9145000 | 760000 | 700000 | 440000 | 1294000 | 600000 | 12939000 | 0 | 0 | 0 | 0 | 12939000 Bons du Trésor / M.E.F. | 4258000 | 177156.92203 | 0 | 0 | 0 | 207564.91037 | 4642721.8324 | 0 | 0 | 0 | 0 | 4642721.8324 Autres Placements | 8683614 | 26281.59406 | 382487.24938199413 | 1481788 | 16069323.339030001 | 27069440.0545805 | 53712934.2370525 | 123093.20361999999 | 123093.20361999999 | 0 | 0 | 53836027.4406725 Portefeuille net | 15966768 | 674025.62975 | 11190428.308710668 | 9273951 | 28261873.66338 | 32150952.53642 | 97517999.13826068 | 4151627.7225300004 | 4151627.7225300004 | 553590 | 553590 | 102223216.86079068 Immobilisations | 2036781.97483 | 308858.18678 | 721694.0708100001 | 790514 | 2999691.31537 | 2422617.05044 | 9280156.59823 | 514471.53456999996 | 514471.53456999996 | 302272 | 302272 | 10096900.1328 Autres actifs | 1839928 | 235905.64195999998 | 234645.417555088 | 603112 | 2475671.40319 | 3548144.1343469657 | 8937406.597052053 | 140040.28505 | 140040.28505 | 34358 | 34358 | 9111804.882102052 67575699.97483 | 3479489.7903299998 | 21374678.329575364 | 23026514 | 86643757.77669999 | 113100019.99986379 | 315200159.87129915 | 7392044.46892 | 7392044.46892 | 6477166 | 6477166 | 329069370.34021914 PASSIF Dépôts À vue | 28522464 | 1335346.15062 | 5262422.308465518 | 7980053 | 29574742.714907434 | 40287381.000812754 | 112962409.1748057 | 1730865.69429 | 1730865.69429 | 4739019 | 4739019 | 119432293.8690957 Épargne | 16397471 | 365901.3889 | 3108469.806059828 | 4212180 | 23372999.71947191 | 34264998.90383934 | 81722020.81827107 | 657739.9596599999 | 657739.9596599999 | 364548 | 364548 | 82744308.77793106 À terme | 8156986 | 1406671.79929 | 6818159.555605287 | 6693512 | 17746916.266448893 | 22515620.62730308 | 63337866.24864726 | 1979868.1003100001 | 1979868.1003100001 | 38285 | 38285 | 65356019.348957255 53076921 | 3107919.33881 | 15189051.670130633 | 18885745 | 70694658.70082822 | 97068000.53195517 | 258022296.241724 | 4368473.75426 | 4368473.75426 | 5141852 | 5141852 | 267532621.99598402 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 2124281.0729300003 | 2124281.0729300003 | 0 | 0 | 0 | 0 | 2124281.0729300003 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1491568 | 127027.80836 | 794798.0651772621 | 597147 | 2602889.5680500004 | 1640163.74646301 | 7253594.188050272 | 188712.75592999998 | 188712.75592999998 | 893927 | 893927 | 8336233.943980272 1491568 | 127027.80836 | 794798.0651772621 | 597147 | 2602889.5680500004 | 3764444.8193930103 | 9377875.260980273 | 188712.75592999998 | 188712.75592999998 | 893927 | 893927 | 10460515.016910272 Obligations à terme Banques locales | 2195401 | 74999.99986 | 2418975.74916 | 531816 | 1927526.08497 | 0 | 7148718.83399 | 1927471.8386900001 | 1927471.8386900001 | 0 | 0 | 9076190.67268 Banque à l'étranger | 0 | 0 | 0 | 0 | 2195530.95112 | 0 | 2195530.95112 | 0 | 0 | 0 | 0 | 2195530.95112 Autres | 3443739 | 201997.29278 | 213261.76947689598 | 178465 | 725977.00568 | 350813.56125417404 | 5114253.62919107 | 84721.82308999999 | 84721.82308999999 | 85127 | 85127 | 5284102.45228107 5639140 | 276997.29264 | 2632237.5186368963 | 710281 | 4849034.04177 | 350813.56125417404 | 14458503.414301071 | 2012193.6617800002 | 2012193.6617800002 | 85127 | 85127 | 16555824.076081071 Autres passifs | 1039317 | 10134.42926 | 208759.927076994 | 688948 | 1614100.30309 | 1527273.975285982 | 5088533.6347129755 | 132743.0525 | 132743.0525 | 0 | 0 | 5221276.687212976 61246946 | 3522078.8690700005 | 18824847.181021787 | 20882121 | 79760682.61373822 | 102710532.88788833 | 286947208.55171835 | 6702123.224470001 | 6702123.224470001 | 6120906 | 6120906 | 299770237.7761884 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 729896.58697 | 810000 | 1500000 | 6431912.5 | 12636809.08697 | 250000 | 250000 | 103837 | 103837 | 12990646.08697 Réserves | 721982 | 78594.77100000001 | 249489.23116 | 262050 | 2453566.88816 | 766444.06311 | 4532126.953430001 | 227443.0225 | 227443.0225 | 59288 | 59288 | 4818857.975930001 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 0 | 0 | 0 | 0 | 194000 | 0 | 0 | 0 | 0 | 194000 Surplus d'apport | 0 | 14325 | 1170040.86098 | 1384 | 371816.94492 | 0 | 1557566.8059 | 0 | 0 | 0 | 0 | 1557566.8059 BNR | 2412772 | -300508.84974 | 400404.46944575 | 1070959 | 2557691.3298499957 | 3191130.5522600003 | 9332448.501815746 | 212478.22163000001 | 212478.22163000001 | 193135 | 193135 | 9738061.723445745 6328754 | -42589.07873999997 | 2549831.14855575 | 2144393 | 6883075.162929996 | 10389487.11537 | 28252951.34811575 | 689921.24413 | 689921.24413 | 356260 | 356260 | 29299132.592245743 67575700 | 3479489.7903300007 | 21374678.329577535 | 23026514 | 86643757.77666822 | 113100020.00325833 | 315200159.8998341 | 7392044.468600001 | 7392044.468600001 | 6477166 | 6477166 | 329069370.2684341 Hors-bilan Effets à l'encaissement | 815323 | 0 | 0 | 0 | 140620.2047 | 1197.311534722 | 957140.516234722 | 0 | 0 | 0 | 0 | 957140.516234722 Crédit documentaire | 244921 | 0 | 0 | 0 | 1615259.18351 | 1037165.801866848 | 2897345.985376848 | 0 | 0 | 0 | 0 | 2897345.985376848 Autres | 10588763 | 220689.186544052 | 1187232.1703575342 | 435120 | 5409543.9882499995 | 1323377.4992928582 | 19164725.844444443 | 607470.4712700001 | 607470.4712700001 | 1660069.13821 | 1660069.13821 | 21432265.45392444 Portefeuille brut | 16505563 | 1309781.84108 | 11256471.881454712 | 9307144 | 28986173.17268 | 32364335.316409998 | 99729469.21162471 | 4280198.45026 | 4280198.45026 | 553590 | 553590 | 104563257.66188471 Provisions pour créances douteuses | 538795 | 635756.21133 | 66043.57274404401 | 33193 | 724299.5093 | 213382.77999 | 2211470.073364044 | 128570.72773 | 128570.72773 | 0 | 0 | 2340040.801094044 Portefeuille de crédit improductif | 673908 | 820987.158933496 | 45101.265297692 | 34217 | 286671 | 31370.140610000002 | 1892254.564841188 | 770945.95816 | 770945.95816 | 0 | 0 | 2663200.523001188 Dépôts US convertis | 29733907.5 | 2647479.7758 | 15933630.70094568 | 19115198 | 63565529.256009325 | 85236515.03145832 | 216232260.26421332 | 4328335.05239 | 4328335.05239 | 3990772 | 3990772 | 224551367.31660333 Immobilisation /A | 0.32182985384326834 | -7.252051368979676 | 0.2830360242554786 | 0.3686423150980254 | 0.43580685149645926 | 0.23317965781544966 | 0.32846680277347073 | 0.7456960326229054 | 0.7456960326229054 | 0.8484589906248245 | 0.8484589906248245 | 0.34461430218149963 Liquidité en % de l'actif | 0.5778498486074799 | 0.6421684995282265 | 0.4138271999573683 | 0.4723749760819202 | 0.4251569761167049 | 0.42359732760554797 | 0.4624098647672528 | 0.3331705773017115 | 0.3331705773017115 | 0.8625602616946979 | 0.8625602616946979 | 0.46738297418821234 Liquidité en % des dépôts | 0.7356984403824027 | 0.7189436063792899 | 0.5823552039468134 | 0.5759449256568909 | 0.5210746997396344 | 0.4935598339465594 | 0.5648801108418895 | 0.5637693761461523 | 0.5637693761461523 | 1.0865629738078808 | 1.0865629738078808 | 0.5748884748199518 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 47101301.31370629 | BNC | 9145000 | UNIBK | 32150952.53642 | UNIBK | 10389487.11537 SOGEBK | 35543198.05573 | UNIBK | 600000 | SOGEBK | 28261873.66338 | SOGEBK | 6883075.162929996 BNC | 25645608 | SOGEBK | 1294000 | BNC | 15966768 | BNC | 6328754 CAPITALBK | 10437149 | BPH | 760000 | BUH | 11190428.308710668 | BUH | 2549831.14855575 BUH | 8145423.283117611 | BUH | 700000 | CAPITALBK | 9273951 | CAPITALBK | 2144393 CBNA | 5586946 | CAPITALBK | 440000 | SOGEBL | 4151627.7225300004 | SOGEBL | 689921.24413 SOGEBL | 2462811.72315 | CBNA | 0 | BPH | 674025.62975 | CBNA | 356260 BPH | 1297261.8157499998 | SOGEBL | 0 | CBNA | 553590 | BPH | -42589.07873999997 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanjuin18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 JUIN 2018 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 7118316 | 136390.76737000002 | 729117.0957474699 | 721191 | 2548700.42477 | 1752951.17155947 | 13006666.45944694 | 29877.03009 | 29877.03009 | 58732 | 58732 | 13095275.489536941 Avoirs à la BRH | 16639929 | 948500.5229199999 | 7414195.52946141 | 7382457 | 28728255.17227 | 40171551.159929 | 101284888.3845804 | 1214023.56489 | 1214023.56489 | 5271244 | 5271244 | 107770155.9494704 Avoirs à l'étranger | 922206 | 24211.79451 | 664322.7302331799 | 1191272 | 2076987.36377 | 3336959.8894631728 | 8215959.777976353 | -669.0700100000013 | -669.0700100000013 | 1496541 | 1496541 | 9711831.707966354 Avoirs dans les banques locales | 0 | 0 | 16916.663047179998 | 1620 | 4208.14563 | 0 | 22744.808677179997 | 1089672.25144 | 1089672.25144 | 0 | 0 | 1112417.06011718 Autres liquidités | 182441 | 36744.92263 | 39397.893485529996 | 282385 | 150974.91644 | 948211.3916864931 | 1640155.124242023 | 29979.27212 | 29979.27212 | 128267 | 128267 | 1798401.3963620232 24862892 | 1145848.0074299998 | 8863949.91197477 | 9578925 | 33509126.02288 | 46209673.61263813 | 124170414.5549229 | 2362883.0485300003 | 2362883.0485300003 | 6954784 | 6954784 | 133488081.6034529 Bons B.R.H. | 10000000 | 776000 | 500000 | 450000 | 980000 | 1020000 | 13726000 | 0 | 0 | 0 | 0 | 13726000 Bons du Trésor / M.E.F. | 2500000 | 93737.8193 | 0 | 0 | 0 | 258414.47129 | 2852152.29059 | 0 | 0 | 0 | 0 | 2852152.29059 Autres Placements | 9313505 | 25128.43595 | 261832.29940209002 | 1308089 | 15497948.76399 | 28282396.96167898 | 54688900.46102107 | 136330.51417 | 136330.51417 | 0 | 0 | 54825230.97519107 Portefeuille net | 15511236 | 673365.37958 | 10177873.303764574 | 8729652 | 26833386.28138 | 31244134.13684 | 93169647.10156457 | 4048458.9616199997 | 4048458.9616199997 | 446815 | 446815 | 97664921.06318457 Immobilisations | 1883974.98378 | 310811.01915 | 630644.0446899999 | 784274 | 2829368.8587999996 | 2406210.10329 | 8845283.009709999 | 475012.2687 | 475012.2687 | 307079 | 307079 | 9627374.278409999 Autres actifs | 1958163 | 220297.57828 | 176016.40473067004 | 493964 | 2754603.84766 | 3572724.44948744 | 9175769.28015811 | 167587.14687 | 167587.14687 | 30652 | 30652 | 9374008.42702811 66029770.98378 | 3245188.23969 | 20610315.964562103 | 21344904 | 82404433.77471 | 112993553.73522456 | 306628166.69796664 | 7190271.93989 | 7190271.93989 | 7739330 | 7739330 | 321557768.63785666 PASSIF Dépôts À vue | 27882354 | 1152054.65129 | 4772338.66415404 | 7209213 | 28031986.905589968 | 39476697.34854499 | 108524644.569579 | 1621684.14077 | 1621684.14077 | 6118083 | 6118083 | 116264411.71034901 Épargne | 15823010 | 345535.96504000004 | 2967135.21163612 | 4113242 | 22743427.463979997 | 35447258.12307984 | 81439608.76373595 | 630924.99854 | 630924.99854 | 359258 | 359258 | 82429791.76227595 À terme | 7645630 | 1363517.5089 | 6624328.219950201 | 6069204 | 16356454.751640435 | 19175262.4079032 | 57234396.888393834 | 1988907.43437 | 1988907.43437 | 36816 | 36816 | 59260120.32276383 51350994 | 2861108.1252300004 | 14363802.095740361 | 17391659 | 67131869.1212104 | 94099217.87952802 | 247198650.22170877 | 4241516.57368 | 4241516.57368 | 6514157 | 6514157 | 257954323.7953888 Obligations à vue Banques locales | 0 | 0 | 300000 | 120000 | 0 | 1716320.48109 | 2136320.48109 | 0 | 0 | 0 | 0 | 2136320.48109 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 3789489.38316326 | 3789489.38316326 | 0 | 0 | 0 | 0 | 3789489.38316326 Autres | 1729753.046 | 128208.15 | 925130.7464368099 | 576731 | 2505758.66863 | 1839783.3020865112 | 7705364.913153321 | 162064.15828 | 162064.15828 | 800583 | 800583 | 8668012.07143332 1729753.046 | 128208.15 | 1225130.74643681 | 696731 | 2505758.66863 | 7345593.166339772 | 13631174.77740658 | 162064.15828 | 162064.15828 | 800583 | 800583 | 14593821.93568658 Obligations à terme Banques locales | 2213200 | 87499.99987 | 2461237.50873 | 540234 | 1917847.1375 | 0 | 7220018.6461000005 | 1912045.62395 | 1912045.62395 | 0 | 0 | 9132064.27005 Banque à l'étranger | 0 | 0 | 0 | 0 | 2084750.13275 | 0 | 2084750.13275 | 0 | 0 | 0 | 0 | 2084750.13275 Autres | 3625557 | 204965.61073000001 | 179288.50623503 | 126408 | 675320.6052500001 | 349155.61428608 | 5160695.33650111 | 102370.11157000001 | 102370.11157000001 | 83150 | 83150 | 5346215.44807111 5838757 | 292465.6106 | 2640526.01496503 | 666642 | 4677917.8755 | 349155.61428608 | 14465464.11535111 | 2014415.7355199999 | 2014415.7355199999 | 83150 | 83150 | 16563029.850871112 Autres passifs | 1109366 | 7817.53298 | 338782.23757552996 | 582380 | 1660091.2034200002 | 1425844.626993551 | 5124281.600969081 | 149584.07757000002 | 149584.07757000002 | 0 | 0 | 5273865.678539081 60028870.046000004 | 3289599.41881 | 18568241.094717734 | 19337412 | 75975636.86876039 | 103219811.28714742 | 280419570.71543556 | 6567580.54505 | 6567580.54505 | 7397890 | 7397890 | 294385041.2604856 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 653212.17525 | 810000 | 1500000 | 6468075 | 12596287.17525 | 250000 | 250000 | 103837 | 103837 | 12950124.17525 Réserves | 671982 | 78594.77100000001 | 103338.59228000001 | 278859 | 2171695.39046 | 759836.37234 | 4064306.12608 | 250864.7255 | 250864.7255 | 59288 | 59288 | 4374458.85158 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 129308.80526000001 | 0 | 0 | 0 | 323308.80526 | 0 | 0 | 0 | 0 | 323308.80526 Surplus d'apport | 0 | 14325 | 837703.73559 | 1384 | 371816.94492000004 | 0 | 1225229.68051 | 0 | 0 | 0 | 0 | 1225229.68051 BNR | 2134919 | -302330.95012 | 318511.56146575 | 917249 | 2385284.570419996 | 2545831.07981 | 7999464.261575746 | 121826.66946 | 121826.66946 | 178315 | 178315 | 8299605.931035746 6000901 | -44411.179119999986 | 2042074.86984575 | 2007492 | 6428796.905799996 | 9773742.45215 | 26208596.048675746 | 622691.39496 | 622691.39496 | 341440 | 341440 | 27172727.443635743 66029771.046000004 | 3245188.23969 | 20610315.964563485 | 21344904 | 82404433.77456039 | 112993553.73929742 | 306628166.7641113 | 7190271.94001 | 7190271.94001 | 7739330 | 7739330 | 321557768.60412127 Hors-bilan Effets à l'encaissement | 768906 | 0 | 0 | 0 | 172505.23075 | 119.24767702999999 | 941530.47842703 | 0 | 0 | 0 | 0 | 941530.47842703 Crédit documentaire | 234175 | 0 | 0 | 0 | 1436202.76976 | 1239643.77992125 | 2910021.54968125 | 0 | 0 | 0 | 0 | 2910021.54968125 Autres | 6056675 | 204674.64703368003 | 1154310.06540479 | 209775 | 4574871.24278 | 1713745.4759088699 | 13914051.43112734 | 394690.89292 | 394690.89292 | 1609612.25489 | 1609612.25489 | 15918354.57893734 Portefeuille brut | 15974102 | 1304751.56067 | 10216940.751188975 | 8763980 | 27756570.31376 | 31442013.917710003 | 95458358.54332899 | 4182898.41008 | 4182898.41008 | 446815 | 446815 | 100088071.95340899 Provisions pour créances douteuses | 462866 | 631386.18109 | 39067.4474244 | 34328 | 923184.03238 | 197879.78087 | 2288711.4417644 | 134439.44846 | 134439.44846 | 0 | 0 | 2423150.8902244 Portefeuille de crédit improductif | 1173944 | 808323.6901603399 | 98744.07697016 | 35518 | 1153771 | 36191.65935 | 3306492.4264804996 | 314604.47419000004 | 314604.47419000004 | 0 | 0 | 3621096.9006704995 Dépôts US convertis | 22009480 | 1600566.3309900002 | 9672516.873980634 | 13631671 | 45256695.14586825 | 65147450.15389517 | 157318379.50473404 | 3553689.7507300004 | 3553689.7507300004 | 3177762 | 3177762 | 164049831.25546405 Immobilisation /A | 0.3139486860023186 | -6.99848608635636 | 0.30882513369239795 | 0.39067353693065776 | 0.44010860822922737 | 0.2461912737183584 | 0.3374954916807506 | 0.7628373742510342 | 0.7628373742510342 | 0.8993644564198688 | 0.8993644564198688 | 0.35430283170432614 Liquidité en % de l'actif | 0.5658491835323505 | 0.6210998185185524 | 0.4543331566617116 | 0.46985102392589817 | 0.4185348341470523 | 0.42027254223020527 | 0.4590203449383446 | 0.32862220904626155 | 0.32862220904626155 | 0.8986286926646105 | 0.8986286926646105 | 0.4666851450354783 Liquidité en % des dépôts | 0.7275982233177414 | 0.7044773348326253 | 0.6519130415164717 | 0.5766514281357518 | 0.5137519105956655 | 0.5046597533331838 | 0.5693743340397595 | 0.5570844785076318 | 0.5570844785076318 | 1.0676414461610304 | 1.0676414461610304 | 0.5817550630129252 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 46209673.61263813 | BNC | 10000000 | UNIBK | 31244134.13684 | UNIBK | 9773742.45215 SOGEBK | 33509126.02288 | UNIBK | 1020000 | SOGEBK | 26833386.28138 | SOGEBK | 6428796.905799996 BNC | 24862892 | SOGEBK | 980000 | BNC | 15511236 | BNC | 6000901 CAPITALBK | 9578925 | BPH | 776000 | BUH | 10177873.303764574 | BUH | 2042074.86984575 BUH | 8863949.91197477 | BUH | 500000 | CAPITALBK | 8729652 | CAPITALBK | 2007492 CBNA | 6954784 | CAPITALBK | 450000 | SOGEBL | 4048458.9616199997 | SOGEBL | 622691.39496 SOGEBL | 2362883.0485300003 | CBNA | 0 | BPH | 673365.37958 | CBNA | 341440 BPH | 1145848.0074299998 | SOGEBL | 0 | CBNA | 446815 | BPH | -44411.179119999986 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanmars18 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 MARS 2018 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 6031592 | 92345.03558 | 404103.28130177 | 478085 | 1914250.94595 | 1855172.5120332101 | 10775548.77486498 | 27924.89082 | 27924.89082 | 108064 | 108064 | 10911537.66568498 Avoirs à la BRH | 17079352 | 1019060.2563 | 6399986.210961295 | 7175600 | 26655426.425019998 | 39338803.01840079 | 97668227.91068208 | 1185825.98683 | 1185825.98683 | 4836788 | 4836788 | 103690841.89751208 Avoirs à l'étranger | 1439604 | 48075.65661 | 991143.9991919202 | 1712761 | 1597882.6869099997 | 4313974.120918374 | 10103441.463630293 | 4767.53806 | 4767.53806 | 510161 | 510161 | 10618370.001690293 Avoirs dans les banques locales | 0 | 0 | 13467.02246931 | 1568 | 5423.0689 | 0 | 20458.09136931 | 1068974.16112 | 1068974.16112 | 0 | 0 | 1089432.25248931 Autres liquidités | 205674 | 25056.50408 | 7246.863238100001 | 209268 | 147784.59048 | 877155.9362591649 | 1472185.894057265 | 8624.68286 | 8624.68286 | 73807 | 73807 | 1554617.576917265 24756222 | 1184537.45257 | 7815947.377162396 | 9577282 | 30320767.71726 | 46385105.58761153 | 120039862.13460392 | 2296117.25969 | 2296117.25969 | 5528820 | 5528820 | 127864799.39429393 Bons B.R.H. | 11671000 | 762000 | 200000 | 180000 | 900000 | 0 | 13713000 | 0 | 0 | 99933 | 99933 | 13812933 Bons du Trésor / M.E.F. | 1400000 | 108318.71657 | 0 | 0 | 0 | 305097.36554 | 1813416.0821099998 | 0 | 0 | 0 | 0 | 1813416.0821099998 Autres Placements | 9028673 | 24514.18696 | 286084.83625785995 | 1185677 | 15169895.79981 | 32146298.499838274 | 57841143.322866134 | 149574.57472 | 149574.57472 | 0 | 0 | 57990717.89758614 Portefeuille net | 15990462 | 688939.39549 | 9763236.137501052 | 8397578 | 25514227.913650002 | 31420085.99562 | 91774529.44226106 | 4086954.1861800007 | 4086954.1861800007 | 433070 | 433070 | 96294553.62844105 Immobilisations | 1863582.04723 | 312830.51628 | 603581.17661 | 785860 | 2717076.62654 | 2346596.05626 | 8629526.42292 | 338352.94484999997 | 338352.94484999997 | 311960 | 311960 | 9279839.36777 Autres actifs | 2092091 | 217889.88306999998 | 195589.74182714004 | 611805 | 3388669.3844600003 | 7367730.999390305 | 13873776.008747445 | 182859.00086 | 182859.00086 | 32865 | 32865 | 14089500.009607445 66802030.04723 | 3299030.15094 | 18864439.26935845 | 20738202 | 78010637.44172001 | 119970914.50426011 | 307685253.41350853 | 7053857.9663 | 7053857.9663 | 6406648 | 6406648 | 321145759.37980855 PASSIF Dépôts À vue | 30039589 | 1156936.73704 | 4231935.23383516 | 7322635 | 25320197.24360852 | 42601970.81758969 | 110673264.03207338 | 1559658.6929700002 | 1559658.6929700002 | 4799671 | 4799671 | 117032593.72504339 Épargne | 15466545 | 350485.04585999995 | 2805135.00150602 | 3922190 | 21932220.365962278 | 33690621.996159405 | 78167197.4094877 | 616592.7384200001 | 616592.7384200001 | 377700 | 377700 | 79161490.14790769 À terme | 7321687 | 1372696.57207 | 6793070.56732914 | 5824859 | 14682191.086497005 | 21133025.936691374 | 57127530.16258752 | 1976927.66738 | 1976927.66738 | 36029 | 36029 | 59140486.82996752 52827821 | 2880118.3549699998 | 13830140.80267032 | 17069684 | 61934608.69606781 | 97425618.75044048 | 245967991.6041486 | 4153179.0987700005 | 4153179.0987700005 | 5213400 | 5213400 | 255334570.70291862 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 1908064.00729 | 1908064.00729 | 0 | 0 | 0 | 0 | 1908064.00729 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1700765.046 | 151541.70262 | 772251.76964505 | 611930 | 3901616.05741 | 5005214.43550374 | 12143319.01117879 | 132122.81705999997 | 132122.81705999997 | 726496 | 726496 | 13001937.828238789 1700765.046 | 151541.70262 | 772251.76964505 | 611930 | 3901616.05741 | 6913278.44279374 | 14051383.01846879 | 132122.81705999997 | 132122.81705999997 | 726496 | 726496 | 14910001.83552879 Obligations à terme Banques locales | 1862640 | 99999.99988 | 2207651.92026 | 521529 | 1879155.84435 | 0 | 6570976.76449 | 1920697.81573 | 1920697.81573 | 0 | 0 | 8491674.580219999 Banque à l'étranger | 0 | 0 | 0 | 0 | 2071179.21385 | 0 | 2071179.21385 | 0 | 0 | 0 | 0 | 2071179.21385 Autres | 3555543 | 203495.03523 | 132388.255692235 | 81788 | 573356.5123299999 | 1293656.0085524002 | 5840226.811804635 | 92261.06797999999 | 92261.06797999999 | 63233 | 63233 | 5995720.879784635 5418183 | 303495.03511 | 2340040.1759522352 | 603317 | 4523691.57053 | 1293656.0085524002 | 14482382.790144635 | 2012958.88371 | 2012958.88371 | 63233 | 63233 | 16558574.673854634 Autres passifs | 1025968 | 8905.17125 | 412148.54462783993 | 584731 | 1505978.0704 | 1455019.003346994 | 4992749.789624834 | 160237.63052 | 160237.63052 | 0 | 0 | 5152987.420144835 60972737.046000004 | 3344060.26395 | 17354581.292895447 | 18869662 | 71865894.39440781 | 107087572.20513362 | 279494507.20238686 | 6458498.43006 | 6458498.43006 | 6003129 | 6003129 | 291956134.6324469 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 550000 | 810000 | 1500000 | 6468737.5 | 12493737.5 | 250000 | 250000 | 103837 | 103837 | 12847574.5 Réserves | 671982 | 78594.77100000001 | 103338.59233000001 | 275299 | 2084680.8441400002 | 1209816.82623 | 4423712.0337000005 | 250864.7255 | 250864.7255 | 59288 | 59288 | 4733864.7592 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 134089.14046 | 0 | 0 | 0 | 328089.14046 | 0 | 0 | 0 | 0 | 328089.14046 Surplus d'apport | 0 | 14325 | 411914.92322000006 | 1384 | 371816.94492000004 | 0 | 799440.8681400002 | 0 | 0 | 0 | 0 | 799440.8681400002 BNR | 1963311 | -302949.88401 | 310515.32050475 | 781857 | 2188245.2580999983 | 5204787.968669999 | 10145766.663264748 | 94494.81087000002 | 94494.81087000002 | 240394 | 240394 | 10480655.474134747 5829293 | -45030.11300999997 | 1509857.9765147502 | 1868540 | 6144743.047159999 | 12883342.2949 | 28190746.20556475 | 595359.53637 | 595359.53637 | 403519 | 403519 | 29189624.741934747 66802030.046000004 | 3299030.15094 | 18864439.269410197 | 20738202 | 78010637.44156781 | 119970914.50003362 | 307685253.4079516 | 7053857.96643 | 7053857.96643 | 6406648 | 6406648 | 321145759.37438166 Hors-bilan Effets à l'encaissement | 732807 | 0 | 0 | 0 | 229189.72185 | 1084.04777059 | 963080.76962059 | 0 | 0 | 0 | 0 | 963080.76962059 Crédit documentaire | 229025 | 0 | 0 | 0 | 1171595.58997 | 1059599.7177549351 | 2460220.307724935 | 0 | 0 | 0 | 0 | 2460220.307724935 Autres | 7357670 | 197867.7882428 | 1108804.73144379 | 250807 | 4240416.835810001 | 1533495.88632875 | 14689062.241825342 | 508046.38917 | 508046.38917 | 1609612.25489 | 1609612.25489 | 16806720.885885343 Portefeuille brut | 16416967 | 1316015.89904 | 9806079.009578366 | 8438054 | 26396742.60609 | 31595048.97841 | 93968907.49311836 | 4216974.225670001 | 4216974.225670001 | 433070 | 433070 | 98618951.71878836 Provisions pour créances douteuses | 426505 | 627076.5035499999 | 42842.872077315005 | 40476 | 882514.6924400001 | 174962.98279 | 2194378.0508573153 | 130020.03949 | 130020.03949 | 0 | 0 | 2324398.090347315 Portefeuille de crédit improductif | 1179838 | 783650.656870255 | 72360.63113907499 | 56114 | 1243259 | 35792.45602 | 3371014.7440293296 | 541304.58489 | 541304.58489 | 0 | 0 | 3912319.3289193297 Dépôts US convertis | 22009480 | 1600566.3309900002 | 9672516.873980634 | 13631671 | 45256695.14586825 | 65147450.15389517 | 157318379.50473404 | 3553689.7507300004 | 3553689.7507300004 | 3177762 | 3177762 | 164049831.25546405 Immobilisation /A | 0.31969263635058315 | -6.947140377163361 | 0.3997602330805075 | 0.4205743521680028 | 0.4421790473070781 | 0.18214186990816222 | 0.3061120255559806 | 0.5683169986878697 | 0.5683169986878697 | 0.7730986644990694 | 0.7730986644990694 | 0.31791567893773864 Liquidité en % de l'actif | 0.5662585698856099 | 0.6228667442019301 | 0.4249237023537041 | 0.4704979727750747 | 0.4002116729347883 | 0.3891793535631804 | 0.440600505590438 | 0.32551226161056307 | 0.32551226161056307 | 0.8785800312425468 | 0.8785800312425468 | 0.44681003651896783 Liquidité en % des dépôts | 0.7160473645127252 | 0.7134624053188967 | 0.5795998386086336 | 0.5716146824979302 | 0.5040924351434901 | 0.47923948086745344 | 0.5511541454340492 | 0.5528577518773546 | 0.5528577518773546 | 1.0796702727586605 | 1.0796702727586605 | 0.5619730539479343 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 46385105.58761153 | BNC | 11671000 | UNIBK | 31420085.99562 | UNIBK | 12883342.2949 SOGEBK | 30320767.71726 | SOGEBK | 900000 | SOGEBK | 25514227.913650002 | SOGEBK | 6144743.047159999 BNC | 24756222 | BPH | 762000 | BNC | 15990462 | BNC | 5829293 CAPITALBK | 9577282 | BUH | 200000 | BUH | 9763236.137501052 | CAPITALBK | 1868540 BUH | 7815947.377162396 | CAPITALBK | 180000 | CAPITALBK | 8397578 | BUH | 1509857.9765147502 CBNA | 5528820 | CBNA | 99933 | SOGEBL | 4086954.1861800007 | SOGEBL | 595359.53637 SOGEBL | 2296117.25969 | UNIBK | 0 | BPH | 688939.39549 | CBNA | 403519 BPH | 1184537.45257 | SOGEBL | 0 | CBNA | 433070 | BPH | -45030.11300999997 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandéc. 17 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 DECEMBRE 2017 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 5793865 | 146586.90623 | 550165.4227070439 | 584647 | 3113529.92235 | 2426080.7133978438 | 12614874.964684887 | 41713.3258 | 41713.3258 | 81171 | 81171 | 12737759.290484887 Avoirs à la BRH | 18202548 | 1046780.94008 | 5702633.632497523 | 6893773 | 25329354.59928 | 37831790.1251374 | 95006880.29699492 | 1150637.70499 | 1150637.70499 | 4069950 | 4069950 | 100227468.00198492 Avoirs à l'étranger | 1429845 | 150176.26925 | 707816.876708502 | 964309 | 1478036.7888000002 | 3222197.732811865 | 7952381.667570367 | 5269.82093 | 5269.82093 | 1823940 | 1823940 | 9781591.488500368 Avoirs dans les banques locales | 0 | 0 | 13399.616140574 | 1318 | 5073.43027 | -1.1005385204043706e-09 | 19791.046410572897 | 1044155.06467 | 1044155.06467 | 0 | 0 | 1063946.111080573 Autres liquidités | 319565 | 53466.35445 | 128749.18041960799 | 316795 | 220252.36606 | 907911.238744707 | 1946739.139674315 | 29120.00459 | 29120.00459 | 228836 | 228836 | 2204695.1442643153 25745823 | 1397010.4700099998 | 7102764.728473251 | 8760842 | 30146247.106760003 | 44387979.81009182 | 117540667.11533508 | 2270895.92098 | 2270895.92098 | 6203897 | 6203897 | 126015460.03631507 Bons B.R.H. | 10165000 | 564000 | 350000 | 50000 | 300000 | 1175000 | 12604000 | 0 | 0 | 239591 | 239591 | 12843591 Bons du Trésor / M.E.F. | 0 | 122899.61384 | 0 | 0 | 0 | 351780.25979 | 474679.87363 | 0 | 0 | 0 | 0 | 474679.87363 Autres Placements | 8790887 | 73919.12973000004 | 292871.371009883 | 1350207 | 14990059.35629 | 31745041.449853785 | 57242985.30688366 | 162818.63527 | 162818.63527 | 0 | 0 | 57405803.94215366 Portefeuille net | 14287127 | 692380.5676200001 | 9211638.355980592 | 8257544 | 24543593.0513 | 29734883.37857 | 86727166.3534706 | 4040562.8353200005 | 4040562.8353200005 | 430283 | 430283 | 91198012.18879059 Immobilisations | 1882994.9980899997 | 314829.99394 | 590425.59849 | 632594 | 2726008.34779 | 2325450.1141299997 | 8472303.052439999 | 329168.88068 | 329168.88068 | 317025 | 317025 | 9118496.93312 Autres actifs | 1924742 | 220685.549 | 193252.42467298004 | 772327 | 2854723.91205 | 6617531.298672923 | 12583262.184395902 | 167603.84123999998 | 167603.84123999998 | 34437 | 34437 | 12785303.025635902 62796573.99809 | 3385725.32414 | 17740952.478626706 | 19823514 | 75560631.77419 | 116337666.31110854 | 295645063.8861552 | 6971050.11349 | 6971050.11349 | 7225233 | 7225233 | 309841346.99964523 PASSIF Dépôts À vue | 27032438 | 1272917.63612 | 4202279.511693414 | 6706634 | 25304037.71587409 | 40913131.0549632 | 105431437.9186507 | 1634687.2883999997 | 1634687.2883999997 | 5650015 | 5650015 | 112716140.2070507 Épargne | 15347028 | 343362.34018 | 2775103.469169634 | 3855200 | 20865532.31098656 | 31989327.131498642 | 75175553.25183484 | 656794.42063 | 656794.42063 | 364705 | 364705 | 76197052.67246483 À terme | 7045528 | 1343516.13591 | 6260221.831634482 | 5577399 | 13521378.873094037 | 21192010.238250945 | 54940054.07888946 | 1814554.26024 | 1814554.26024 | 35269 | 35269 | 56789877.33912946 49424994 | 2959796.11221 | 13237604.81249753 | 16139233 | 59690948.89995469 | 94094468.42471278 | 235547045.24937502 | 4106035.9692699993 | 4106035.9692699993 | 6049989 | 6049989 | 245703070.21864498 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 1827296.07516 | 1827296.07516 | 0 | 0 | 0 | 0 | 1827296.07516 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2168141.046 | 149758.74738000002 | 743134.789576174 | 628386 | 3297112.7975100004 | 5482623.645124469 | 12469157.025590643 | 54215.45465 | 54215.45465 | 717062 | 717062 | 13240434.480240643 2168141.046 | 149758.74738000002 | 743134.789576174 | 628386 | 3297112.7975100004 | 7309919.720284469 | 14296453.100750644 | 54215.45465 | 54215.45465 | 717062 | 717062 | 15067730.555400643 Obligations à terme Banques locales | 1210400 | 112499.99989 | 1887494.23357 | 506619 | 1707458.37836 | 0 | 5424471.611819999 | 1850880.21572 | 1850880.21572 | 0 | 0 | 7275351.827539999 Banque à l'étranger | 0 | 0 | 0 | 0 | 2258481.81551 | 0 | 2258481.81551 | 0 | 0 | 0 | 0 | 2258481.81551 Autres | 3497167 | 202094.94953 | 141035.52698290898 | 82635 | 566033.36389 | 1128585.99929777 | 5617551.839700678 | 85912.79778 | 85912.79778 | 61662 | 61662 | 5765126.637480678 4707567 | 314594.94942 | 2028529.760552909 | 589254 | 4531973.55776 | 1128585.99929777 | 13300505.267030679 | 1936793.0135 | 1936793.0135 | 61662 | 61662 | 15298960.280530678 Autres passifs | 958246 | 5620.0818500000005 | 321876.98102073 | 576494 | 1671060.82247 | 1227528.8292848493 | 4760826.714625579 | 183309.98127 | 183309.98127 | 0 | 0 | 4944136.69589558 57258948.046000004 | 3429769.89086 | 16331146.343647344 | 17933367 | 69191096.07769468 | 103760502.97357985 | 267904830.3317819 | 6280354.41869 | 6280354.41869 | 6828713 | 6828713 | 281013897.7504719 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 547726.75 | 540000 | 1500000 | 6469425 | 12222151.75 | 250000 | 250000 | 103837 | 103837 | 12575988.75 Réserves | 490508 | 78594.77100000001 | 75647.80833 | 289755 | 2015094.39426 | 1199002.86208 | 4148602.83567 | 251664.7255 | 251664.7255 | 59288 | 59288 | 4459555.56117 Réserves (Prov. Pour pertes sur prêts) | 157217 | 0 | 116823.26462999999 | 0 | 0 | 0 | 274040.26463 | 0 | 0 | 0 | 0 | 274040.26463 Surplus d'apport | 0 | 14325 | 411912.05858 | 1384 | 371816.94492000004 | 0 | 799438.0035000001 | 0 | 0 | 0 | 0 | 799438.0035000001 BNR | 1889901 | -301964.33771999995 | 257696.25348475 | 1059008 | 2482624.357320001 | 4908735.47406 | 10296000.747144751 | 189030.96922 | 189030.96922 | 233395 | 233395 | 10718426.71636475 5537626 | -44044.566719999944 | 1409806.13502475 | 1890147 | 6369535.6965000015 | 12577163.33614 | 27740233.60094475 | 690695.69472 | 690695.69472 | 396520 | 396520 | 28827449.29566475 62796574.046000004 | 3385725.32414 | 17740952.478672095 | 19823514 | 75560631.77419469 | 116337666.30971986 | 295645063.9327267 | 6971050.11341 | 6971050.11341 | 7225233 | 7225233 | 309841347.04613656 Hors-bilan Effets à l'encaissement | 701512 | 0 | 0 | 0 | 146892.07829 | 1430.933226478 | 849835.011516478 | 0 | 0 | 0 | 0 | 849835.011516478 Crédit documentaire | 222905 | 0 | 0 | 0 | 1096063.0563299998 | 1058927.816524896 | 2377895.872854896 | 0 | 0 | 0 | 0 | 2377895.872854896 Autres | 3581597 | 200552.64254919902 | 823295.86389332 | 167812 | 3942638.8178800005 | 1792472.305597526 | 10508368.629920047 | 601953.48787 | 601953.48787 | 1535642.5912 | 1535642.5912 | 12645964.708990047 Portefeuille brut | 14774252 | 1315212.96665 | 9252945.46004674 | 8296446 | 25417545.77592 | 29903209.7595 | 88959611.96211673 | 4166249.4277100004 | 4166249.4277100004 | 430283 | 430283 | 93556144.38982673 Provisions pour créances douteuses | 487125 | 622832.39903 | 41307.104066148 | 38902 | 873952.72462 | 168326.38093 | 2232445.608646148 | 125686.59239 | 125686.59239 | 0 | 0 | 2358132.201036148 Portefeuille de crédit improductif | 655272 | 682179.3370174301 | 62271.675968292 | 65382 | 700285 | 43717.43789 | 2209107.4508757223 | 390789.11771 | 390789.11771 | 0 | 0 | 2599896.5685857222 Dépôts US convertis | 22009480 | 1600566.3309900002 | 9672516.873980634 | 13631671 | 45256695.14586825 | 65147450.15389517 | 157318379.50473404 | 3553689.7507300004 | 3553689.7507300004 | 3177762 | 3177762 | 164049831.25546405 Immobilisation /A | 0.3400365062736269 | -7.14798708184455 | 0.41879914111711164 | 0.3346797894555291 | 0.4279759903516853 | 0.18489464213666587 | 0.3054157068147926 | 0.4765758396878979 | 0.4765758396878979 | 0.7995183092908302 | 0.7995183092908302 | 0.3163129987532853 Liquidité en % de l'actif | 0.5718595890452918 | 0.6154988619401158 | 0.420088196361042 | 0.44446418531043486 | 0.4029379637500574 | 0.3946680514210868 | 0.44181135741628014 | 0.32576095193828614 | 0.32576095193828614 | 0.8918034892438763 | 0.8918034892438763 | 0.44969379412782057 Liquidité en % des dépôts | 0.7265721266450735 | 0.7040721741789168 | 0.5629994877500156 | 0.5459269346938606 | 0.5100647194902126 | 0.48796449821722854 | 0.5545361303542468 | 0.5530628416252613 | 0.5530628416252613 | 1.0650412752816576 | 1.0650412752816576 | 0.5670817657506497 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 44387979.81009182 | BNC | 10165000 | UNIBK | 29734883.37857 | UNIBK | 12577163.33614 SOGEBK | 30146247.106760003 | UNIBK | 1175000 | SOGEBK | 24543593.0513 | SOGEBK | 6369535.6965000015 BNC | 25745823 | BPH | 564000 | BNC | 14287127 | BNC | 5537626 CAPITALBK | 8760842 | BUH | 350000 | BUH | 9211638.355980592 | CAPITALBK | 1890147 BUH | 7102764.728473251 | SOGEBK | 300000 | CAPITALBK | 8257544 | BUH | 1409806.13502475 CBNA | 6203897 | CBNA | 239591 | SOGEBL | 4040562.8353200005 | SOGEBL | 690695.69472 SOGEBL | 2270895.92098 | CAPITALBK | 50000 | BPH | 692380.5676200001 | CBNA | 396520 BPH | 1397010.4700099998 | SOGEBL | 0 | CBNA | 430283 | BPH | -44044.566719999944 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbansept. 17] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2017 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 6653164 | 152660.28762000002 | 424411.9669934 | 466162 | 2765658.73432 | 1673389.10886192 | 12135446.097795319 | 39489.13881 | 39489.13881 | 66326 | 66326 | 12241261.236605318 Avoirs à la BRH | 18244162 | 1063075.61097 | 6070866.9929379 | 7321187 | 24892504.12629 | 34725293.041269496 | 92317088.7714674 | 1102569.8828099999 | 1102569.8828099999 | 3430406 | 3430406 | 96850064.6542774 Avoirs à l'étranger | 1125518 | 85280.99249 | 536570.6817549 | 916427 | 1618157.3285600003 | 5644860.807406212 | 9926814.810211113 | 5698.4069 | 5698.4069 | 1520215 | 1520215 | 11452728.217111113 Avoirs dans les banques locales | 0 | 0 | 121959.1610866 | 1181 | 8906.01676 | 0 | 132046.1778466 | 1221712.3631099998 | 1221712.3631099998 | 0 | 0 | 1353758.5409565999 Autres liquidités | 390071 | 39779.0723 | 21878.719866999996 | 227898 | 122635.62688 | 941703.9357995 | 1743966.3548464999 | 87181.92762 | 87181.92762 | 151000 | 151000 | 1982148.2824664998 26412915 | 1340795.96338 | 7175687.522639801 | 8932855 | 29407861.832810003 | 42985246.89333713 | 116255362.21216694 | 2456651.71925 | 2456651.71925 | 5167947 | 5167947 | 123879960.93141693 Bons B.R.H. | 7600000 | 362000 | 300000 | 245534 | 1600000 | 900000 | 11007534 | 0 | 0 | 259477 | 259477 | 11267011 Bons du Trésor / M.E.F. | 1400000 | 137480.51111 | 0 | 0 | 0 | 394296.48737 | 1931776.99848 | 0 | 0 | 0 | 0 | 1931776.99848 Autres Placements | 9114962 | 223544.64628999992 | 317569.333981 | 1161969 | 14727490.9608 | 33598152.566332296 | 59143688.5074033 | 176062.69582 | 176062.69582 | 0 | 0 | 59319751.203223296 Portefeuille net | 13905845 | 703651.8674100001 | 8528931.441513699 | 7699284 | 22532288.675090004 | 29191141.37241 | 82561142.3564237 | 4010119.59043 | 4010119.59043 | 589496 | 589496 | 87160757.94685371 Immobilisations | 1876178.9980899997 | 314136.79089 | 591220.26424 | 618358 | 2734082.12295 | 2245547.11527 | 8379523.29144 | 333835.21233 | 333835.21233 | 320182 | 320182 | 9033540.50377 Autres actifs | 1734689 | 213458.73016 | 121717.58783369999 | 431512 | 2559134.94024 | 5892257.967266301 | 10952770.2255 | 146286.90393 | 146286.90393 | 30919 | 30919 | 11129976.12943 62044589.99809 | 3295068.5092399996 | 17035126.150208198 | 19089512 | 73560858.53189 | 115206642.40198573 | 290231797.591414 | 7122956.1217600005 | 7122956.1217600005 | 6368021 | 6368021 | 303722774.7131739 PASSIF Dépôts À vue | 27992197 | 1187463.5766699999 | 4326621.2738122 | 6528281 | 25795097.767905317 | 41011511.481636025 | 106841172.10002354 | 1609222.7383 | 1609222.7383 | 4868316 | 4868316 | 113318710.83832353 Épargne | 14541902 | 329492.18128 | 2678202.2854905 | 3756581 | 21332660.66162958 | 31160596.157244697 | 73799434.28564477 | 645020.65676 | 645020.65676 | 343007 | 343007 | 74787461.94240478 À terme | 6898930 | 1333915.11009 | 6114673.8675356 | 5313635 | 12967975.925651891 | 20996925.583194997 | 53626055.48647249 | 1797841.50999 | 1797841.50999 | 34787 | 34787 | 55458683.99646249 49433029 | 2850870.86804 | 13119497.426838301 | 15598497 | 60095734.35518679 | 93169033.22207573 | 234266661.8721408 | 4052084.90505 | 4052084.90505 | 5246110 | 5246110 | 243564856.7771908 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 2344210.98401 | 2344210.98401 | 0 | 0 | 0 | 0 | 2344210.98401 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1639630.046 | 154940.14149 | 414818.4899099 | 480574 | 2182179.24627 | 5096594.495880357 | 9968736.419550259 | 66467.53725000001 | 66467.53725000001 | 675298 | 675298 | 10710501.956800258 1639630.046 | 154940.14149 | 414818.4899099 | 480574 | 2182179.24627 | 7440805.479890357 | 12312947.403560258 | 66467.53725000001 | 66467.53725000001 | 675298 | 675298 | 13054712.940810258 Obligations à terme Banques locales | 1210400 | 124999.9999 | 1821283.21353 | 514416 | 1589533.9123699998 | 0 | 5260633.1258 | 2079326.46988 | 2079326.46988 | 0 | 0 | 7339959.595679999 Banque à l'étranger | 0 | 0 | 0 | 0 | 1583074.39348 | 0 | 1583074.39348 | 0 | 0 | 0 | 0 | 1583074.39348 Autres | 3632282 | 207349.32134000002 | 116383.4312468 | 151116 | 792000.23048 | 1057351.2193425 | 5956482.2024093 | 85924.99978 | 85924.99978 | 55181 | 55181 | 6097588.2021893 4842682 | 332349.32124 | 1937666.6447768002 | 665532 | 3964608.53633 | 1057351.2193425 | 12800189.721689299 | 2165251.46966 | 2165251.46966 | 55181 | 55181 | 15020622.1913493 Autres passifs | 953480 | 3619.1551200000004 | 227432.5445876 | 556786 | 1439455.07081 | 1316909.8946861718 | 4497682.665203772 | 161939.41895000002 | 161939.41895000002 | 0 | 0 | 4659622.084153771 56868821.046000004 | 3341779.4858899997 | 15699415.106112601 | 17301389 | 67681977.2085968 | 102984099.81599477 | 263877481.66259417 | 6445743.33091 | 6445743.33091 | 5976589 | 5976589 | 276299813.99350417 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 547726.75 | 540000 | 1345720 | 6470050 | 12068496.75 | 200000 | 200000 | 103837 | 103837 | 12372333.75 Réserves | 490509 | 78594.77100000001 | 75647.80833 | 282800 | 2005982.4064800001 | 1167947.59555 | 4101481.58136 | 270142.4945 | 270142.4945 | 63866 | 63866 | 4435490.07586 Réserves (Prov. Pour pertes sur prêts) | 157217 | 0 | 99409.46121 | 0 | 0 | 0 | 256626.46120999998 | 0 | 0 | 0 | 0 | 256626.46120999998 Surplus d'apport | 0 | 14325 | 411912.05858 | 1384 | 210816.3445 | 0 | 638437.4030800001 | 0 | 0 | 0 | 0 | 638437.4030800001 BNR | 1528043 | -304630.74765 | 201014.96591999996 | 963939 | 2316362.572209997 | 4584544.98592 | 9289273.776399996 | 207070.29653999998 | 207070.29653999998 | 223729 | 223729 | 9720073.072939996 5175769 | -46710.97664999997 | 1335711.0440399998 | 1788123 | 5878881.323189998 | 12222542.58147 | 26354315.972049996 | 677212.7910399999 | 677212.7910399999 | 391432 | 391432 | 27422960.76309 62044590.046000004 | 3295068.5092399996 | 17035126.1501526 | 19089512 | 73560858.5317868 | 115206642.39746477 | 290231797.6346441 | 7122956.12195 | 7122956.12195 | 6368021 | 6368021 | 303722774.7565942 Hors-bilan Effets à l'encaissement | 677233 | 0 | 0 | 0 | 61909.50762 | 935.3474272999999 | 740077.8550473 | 0 | 0 | 0 | 0 | 740077.8550473 Crédit documentaire | 223508 | 0 | 0 | 0 | 1162471.39501 | 1007818.0681790999 | 2393797.4631891 | 0 | 0 | 0 | 0 | 2393797.4631891 Autres | 2957417 | 196835.93807950002 | 956056.1406981 | 154018 | 4168139.03058 | 1572242.4266678 | 10004708.5360254 | 491899.44221999997 | 491899.44221999997 | 1489077.4429600001 | 1489077.4429600001 | 11985685.4212054 Portefeuille brut | 14389092 | 1322192.81752 | 8574671.9817693 | 7737462 | 23415738.017070003 | 29383011.76747 | 84822168.5838293 | 4129252.66959 | 4129252.66959 | 589496 | 589496 | 89540917.2534193 Provisions pour créances douteuses | 483247 | 618540.95011 | 45740.540255600004 | 38178 | 883449.34198 | 191870.39506 | 2261026.2274056002 | 119133.07916 | 119133.07916 | 0 | 0 | 2380159.3065656004 Portefeuille de crédit improductif | 590669 | 907496.5695197 | 39651.436601299996 | 43454 | 541597 | 71108.7145 | 2193976.720621 | 433556.78107 | 433556.78107 | 0 | 0 | 2627533.501691 Dépôts US convertis | 22009480 | 1600566.3309900002 | 9672516.873980634 | 13631671 | 45256695.14586825 | 65147450.15389517 | 157318379.50473404 | 3553689.7507300004 | 3553689.7507300004 | 3177762 | 3177762 | 164049831.25546405 Immobilisation /A | 0.3624928002177067 | -6.7251171655816835 | 0.44262587097565026 | 0.3458140183868783 | 0.46506843269059783 | 0.1837217665884318 | 0.31795639470691944 | 0.49295467650179375 | 0.49295467650179375 | 0.8179760469251364 | 0.8179760469251364 | 0.32941521456460365 Liquidité en % de l'actif | 0.5707655574980859 | 0.558494146428068 | 0.4388395751650149 | 0.4808079431260474 | 0.4215266440829741 | 0.38434887483487595 | 0.4451430693770025 | 0.34489215955509633 | 0.34489215955509633 | 0.8522936717702407 | 0.8522936717702407 | 0.4513285151544849 Liquidité en % des dépôts | 0.7163816524372804 | 0.6455137954933775 | 0.5698150835676778 | 0.5884149607491029 | 0.5159744225695405 | 0.4752603075226009 | 0.551485525845583 | 0.6062685695920004 | 0.6062685695920004 | 1.0345616085061122 | 1.0345616085061122 | 0.5628018374395217 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 42985246.89333713 | BNC | 7600000 | UNIBK | 29191141.37241 | UNIBK | 12222542.58147 SOGEBK | 29407861.832810003 | SOGEBK | 1600000 | SOGEBK | 22532288.675090004 | SOGEBK | 5878881.323189998 BNC | 26412915 | UNIBK | 900000 | BNC | 13905845 | BNC | 5175769 CAPITALBK | 8932855 | BPH | 362000 | BUH | 8528931.441513699 | CAPITALBK | 1788123 BUH | 7175687.522639801 | BUH | 300000 | CAPITALBK | 7699284 | BUH | 1335711.0440399998 CBNA | 5167947 | CBNA | 259477 | SOGEBL | 4010119.59043 | SOGEBL | 677212.7910399999 SOGEBL | 2456651.71925 | CAPITALBK | 245534 | BPH | 703651.8674100001 | CBNA | 391432 BPH | 1340795.96338 | SOGEBL | 0 | CBNA | 589496 | BPH | -46710.97664999997 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanjuin 17 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2016 AU 30 JUIN 2017 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 6120461 | 186228.4284 | 393014.500116084 | 556920 | 2101717.8704 | 1850963.009669528 | 11209304.80858561 | 35311.876520000005 | 35311.876520000005 | 57140 | 57140 | 11301756.68510561 Avoirs à la BRH | 16743080 | 1019554.08985 | 5769782.560208991 | 7484279 | 24656648.037609998 | 36209171.94010833 | 91882515.62777732 | 1155740.41916 | 1155740.41916 | 3540142 | 3540142 | 96578398.04693732 Avoirs à l'étranger | 695772 | 105635.01187 | 279776.801888736 | 1795553 | 1012027.0071799998 | 7992691.934771208 | 11881455.755709944 | 8994.77822 | 8994.77822 | 1189323 | 1189323 | 13079773.533929944 Avoirs dans les banques locales | 0 | 0 | 49766.395315104004 | 2629 | 2649.76213 | 6.556914513566881e-10 | 55045.15744510466 | 1198098.7860899998 | 1198098.7860899998 | 0 | 0 | 1253143.9435351044 Autres liquidités | 206428 | 38840.6475 | 114.51978194399999 | 211918 | 100901.81825 | 671607.1828616039 | 1229810.1683935479 | 16558.78168 | 16558.78168 | 112564 | 112564 | 1358932.950073548 23765741 | 1350258.17762 | 6492454.777310859 | 10051299 | 27873944.49557 | 46724434.06741067 | 116258131.51791154 | 2414704.64167 | 2414704.64167 | 4899169 | 4899169 | 123572005.15958153 Bons B.R.H. | 8000000 | 225000 | 500000 | 171834 | 700000 | 2025000 | 11621834 | 0 | 0 | 49967 | 49967 | 11671801 Bons du Trésor / M.E.F. | 1400000 | 152061.40838 | 0 | 0 | 0 | 445146.04829 | 1997207.45667 | 0 | 0 | 0 | 0 | 1997207.45667 Autres Placements | 10079379 | 523417.55253 | 342757.7963052959 | 970886 | 15298941.68221 | 37630757.90899296 | 64846139.94003826 | 189299.25637000002 | 189299.25637000002 | 0 | 0 | 65035439.19640826 Portefeuille net | 13593650 | 740867.47437 | 7818230.427052463 | 7211596 | 21269509.718200002 | 26443577.17437 | 77077430.79399246 | 3951365.913364 | 3951365.913364 | 597474 | 597474 | 81626270.70735645 Immobilisations | 1836571.7673399998 | 314110.97077 | 545528.51762 | 615064 | 2708558.72596 | 2164730.03415 | 8184564.01584 | 337243.66108000005 | 337243.66108000005 | 325954 | 325954 | 8847761.67692 Autres actifs | 1791567 | 221497.70723000003 | 133141.76085192 | 450591 | 2606509.32316 | 2200823.005816232 | 7404129.797058152 | 156420.22295999998 | 156420.22295999998 | 34039 | 34039 | 7594589.020018152 60466908.76734 | 3527213.2909 | 15832113.27914054 | 19471270 | 70457463.94510001 | 117634468.23902987 | 287389437.5215104 | 7049033.695444 | 7049033.695444 | 5906603 | 5906603 | 300345074.2169544 PASSIF Dépôts À vue | 26783475 | 1310469.47706 | 3973806.1236295123 | 7190901 | 24085786.700159997 | 41637104.492469095 | 104981542.7933186 | 1602173.30403 | 1602173.30403 | 4539996 | 4539996 | 111123712.0973486 Épargne | 14553365 | 331266.65408999997 | 2693040.5456529036 | 3755111 | 21518308.51233 | 30949930.910071168 | 73801022.62214407 | 610910.28469 | 610910.28469 | 331548 | 331548 | 74743480.90683407 À terme | 6648863 | 1412228.76961 | 5358690.393064208 | 5038959 | 12671398.706382459 | 20833567.379743513 | 51963707.24880017 | 2188980.03768 | 2188980.03768 | 34619 | 34619 | 54187306.28648017 47985703 | 3053964.9007599996 | 12025537.062346624 | 15984971 | 58275493.91887245 | 93420602.78228378 | 230746272.66426283 | 4402063.6263999995 | 4402063.6263999995 | 4906163 | 4906163 | 240054499.29066283 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 2810876.77429 | 2810876.77429 | 0 | 0 | 0 | 0 | 2810876.77429 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1632955.046 | 160638.7507 | 448972.411659452 | 466944 | 1775785.0536099996 | 2563085.085546856 | 7048380.347516308 | 74215.1897999999 | 74215.1897999999 | 584490 | 584490 | 7707085.537316307 1632955.046 | 160638.7507 | 448972.411659452 | 466944 | 1775785.0536099996 | 5373961.859836856 | 9859257.121806309 | 74215.1897999999 | 74215.1897999999 | 584490 | 584490 | 10517962.311606307 Obligations à terme Banques locales | 1210400 | 137499.99991 | 1728870.00016 | 622214 | 1362668.04227 | 0 | 5061652.04234 | 1687772.72404 | 1687772.72404 | 0 | 0 | 6749424.76638 Banque à l'étranger | 0 | 0 | 0 | 0 | 946012.59597 | 0 | 946012.59597 | 0 | 0 | 0 | 0 | 946012.59597 Autres | 3724864.7199999997 | 210337.6667 | 117594.90473915999 | 110059 | 704529.85684 | 1286798.889191012 | 6154185.037470172 | 80856.59292 | 80856.59292 | 37616 | 37616 | 6272657.630390172 4935264.72 | 347837.66661 | 1846464.9048991601 | 732273 | 3013210.4950800003 | 1286798.889191012 | 12161849.675780173 | 1768629.31696 | 1768629.31696 | 37616 | 37616 | 13968094.992740173 Autres passifs | 1013892 | 6213.01871 | 218841.57137286398 | 602429 | 1793793.8147899997 | 1458256.689337416 | 5093426.09421028 | 170272.81991000002 | 170272.81991000002 | 0 | 0 | 5263698.91412028 55567814.766 | 3568654.33678 | 14539815.9502781 | 17786617 | 64858283.282352455 | 101539620.22064908 | 257860805.55605966 | 6415180.953069999 | 6415180.953069999 | 5528269 | 5528269 | 269804255.50912964 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 547696.5 | 540000 | 1345720 | 3232525 | 8830941.5 | 200000 | 200000 | 103837 | 103837 | 9134778.5 Réserves | 490509 | 78594.77100000001 | 80314.03429 | 271906 | 1907418.11602 | 2434254.06523 | 5262995.98654 | 251452.08089999997 | 251452.08089999997 | 63866 | 63866 | 5578314.06744 Réserves (Prov. Pour pertes sur prêts) | 157217 | 0 | 87894.04088 | 0 | 0 | 0 | 245111.04088 | 0 | 0 | 0 | 0 | 245111.04088 Surplus d'apport | 0 | 14325 | 411816.88018 | 1384 | 210816.3445 | 0 | 638342.22468 | 0 | 0 | 0 | 0 | 638342.22468 BNR | 1251368 | -299360.81688 | 164575.87350999998 | 871363 | 2135226.2022299985 | 10428068.952370001 | 14551241.211229999 | 182400.66122999997 | 182400.66122999997 | 210631 | 210631 | 14944272.872459998 4899094 | -41441.04587999999 | 1292297.32886 | 1684653 | 5599180.662749998 | 16094848.0176 | 29528631.963329997 | 633852.7421299999 | 633852.7421299999 | 378334 | 378334 | 30540818.705459997 60466908.766 | 3527213.2909 | 15832113.2791381 | 19471270 | 70457463.94510245 | 117634468.23824908 | 287389437.51938957 | 7049033.695199999 | 7049033.695199999 | 5906603 | 5906603 | 300345074.2145896 Hors-bilan Effets à l'encaissement | 654000 | 0 | 0 | 0 | 145502.78106 | 4915.137001511999 | 804417.9180615119 | 0 | 0 | 0 | 0 | 804417.9180615119 Crédit documentaire | 187055 | 0 | 0 | 0 | 1340961.9151700002 | 1109038.300194924 | 2637055.215364924 | 0 | 0 | 0 | 0 | 2637055.215364924 Autres | 3060099 | 196209.412267312 | 954478.5688243199 | 172081 | 3320466.45292 | 1477257.998177736 | 9180592.432189368 | 501240.1031119999 | 501240.1031119999 | 1549364.1630000002 | 1549364.1630000002 | 11231196.698301367 Portefeuille brut | 13976152 | 1347811.18495 | 7865247.511693696 | 7254349 | 22216898.34056 | 26634939.90316 | 79295397.9403637 | 4066488.868044 | 4066488.868044 | 597474 | 597474 | 83959360.80840771 Provisions pour créances douteuses | 382502 | 606943.71058 | 47017.084641232 | 42753 | 947388.62236 | 191362.72879 | 2217967.146371232 | 115122.95468 | 115122.95468 | 0 | 0 | 2333090.101051232 Portefeuille de crédit improductif | 1008213 | 735271.8854934 | 47016.611528908 | 80786 | 788711 | 94421.23238 | 2754419.729402308 | 466977.49000000005 | 466977.49000000005 | 0 | 0 | 3221397.219402308 Dépôts US convertis | 21185728 | 1520065.03864 | 8107416.2889783 | 11272143 | 39189592.84966679 | 66808768.472785726 | 148083713.65007082 | 3352471.66432 | 3352471.66432 | 4175420 | 4175420 | 155611605.3143908 Immobilisation /A | 0.37487987928788463 | -7.57970664349459 | 0.42213854771427717 | 0.36509833182263646 | 0.4837419774609863 | 0.13449832093989517 | 0.27717382999672874 | 0.5320536437954435 | 0.5320536437954435 | 0.861550904756115 | 0.861550904756115 | 0.2897028322079075 Liquidité en % de l'actif | 0.548494071817242 | 0.48971225824544873 | 0.44166275556679513 | 0.525036784965747 | 0.40554886445862753 | 0.41819868659361553 | 0.45192048147162867 | 0.3425582492577238 | 0.3425582492577238 | 0.8378988735149459 | 0.8378988735149459 | 0.4569444462309224 Liquidité en % des dépôts | 0.6911588020290127 | 0.565599030155895 | 0.5814671512015094 | 0.6395465465655208 | 0.4903252220452886 | 0.5265924073552424 | 0.56285707879474 | 0.5485392412750612 | 0.5485392412750612 | 1.0087589833440105 | 1.0087589833440105 | 0.5717077331263737 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 46724434.06741067 | BNC | 8000000 | UNIBK | 26443577.17437 | UNIBK | 16094848.0176 SOGEBK | 27873944.49557 | UNIBK | 2025000 | SOGEBK | 21269509.718200002 | SOGEBK | 5599180.662749998 BNC | 23765741 | SOGEBK | 700000 | BNC | 13593650 | BNC | 4899094 CAPITALBK | 10051299 | BUH | 500000 | BUH | 7818230.427052463 | CAPITALBK | 1684653 BUH | 6492454.777310859 | BPH | 225000 | CAPITALBK | 7211596 | BUH | 1292297.32886 CBNA | 4899169 | CAPITALBK | 171834 | SOGEBL | 3951365.913364 | SOGEBL | 633852.7421299999 SOGEBL | 2414704.64167 | CBNA | 49967 | BPH | 740867.47437 | CBNA | 378334 BPH | 1350258.17762 | SOGEBL | 0 | CBNA | 597474 | BPH | -41441.04587999999 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanmars. 17 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 MARS 2017 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 7720608.266 | 137227.50087 | 449110.743461714 | 506300 | 2123951.26676 | 1946365.827485593 | 12883563.604577305 | 42853.75115 | 42853.75115 | 79710 | 79710 | 13006127.355727306 Avoirs à la BRH | 21448956.89774 | 1264344.57729 | 6149845.501019382 | 6932391 | 26657358.09034 | 32596079.75750554 | 95048975.82389492 | 1210652.6864800001 | 1210652.6864800001 | 2973812 | 2973812 | 99233440.51037492 Avoirs à l'étranger | 823674.04171 | 162257.27963 | 0 | 1853105 | 2689589.52957 | 5486138.179536035 | 11014764.030446036 | 13970.19207 | 13970.19207 | 2341113 | 2341113 | 13369847.222516036 Avoirs dans les banques locales | 0 | 0 | 143179.453943912 | 1699 | 6505.75843 | -7.845021457342227e-10 | 151384.2123739112 | 1166516.08428 | 1166516.08428 | 0 | 0 | 1317900.2966539112 Autres liquidités | 231583.06674 | 34338.01446 | 739104.6784002159 | 229360 | 88490.12394 | 791462.8446714389 | 2114338.7282116553 | 24422.72448 | 24422.72448 | 186914 | 186914 | 2325675.452691655 30224822.272189997 | 1598167.37225 | 7481240.376825224 | 9522855 | 31565894.769039996 | 40820046.60919861 | 121213026.39950383 | 2458415.4384600003 | 2458415.4384600003 | 5581549 | 5581549 | 129252990.83796382 Bons B.R.H. | 5123000 | 470000 | 0 | 0 | 225000 | 0 | 5818000 | 0 | 0 | 0 | 0 | 5818000 Bons du Trésor / M.E.F. | 1400000 | 166642.30565 | 0 | 0 | 0 | 491828.94254 | 2058471.24819 | 0 | 0 | 0 | 0 | 2058471.24819 Autres Placements | 9609898.614929998 | 26046.82363 | 372894.224420778 | 1140489 | 16146507.07451 | 30232007.45770801 | 57527843.19519879 | 429478.54691999994 | 429478.54691999994 | 0 | 0 | 57957321.74211879 Portefeuille net | 13591935.38634 | 1011120.33883 | 7876028.323175008 | 7755127 | 21208596.01848 | 26981513.007810004 | 78424320.074635 | 4165633.50705 | 4165633.50705 | 587187 | 587187 | 83177140.581685 Immobilisations | 1782225.1606199995 | 311163.51572 | 520533.6842700001 | 586044 | 2705681.94012 | 2103157.49154 | 8008805.792269999 | 325468.26604 | 325468.26604 | 330528 | 330528 | 8664802.058309998 Autres actifs | 1750920.89829 | 235541.72526 | 161070.80212029198 | 434443 | 2479095.80935 | 2769750.8148342 | 7830823.049854492 | 177706.39054 | 177706.39054 | 32526 | 32526 | 8041055.440394492 63482802.33236999 | 3818682.08134 | 16411767.410811301 | 19438958 | 74330775.6115 | 103398304.32363081 | 280881289.75965214 | 7556702.149010001 | 7556702.149010001 | 6531790 | 6531790 | 294969781.9086621 PASSIF Dépôts À vue | 29579103.693839997 | 1446933.8147200001 | 3678497.0402112994 | 6981693 | 25451485.828617528 | 33792747.061480224 | 100930460.43886906 | 1738766.54973 | 1738766.54973 | 4784106 | 4784106 | 107453332.98859906 Épargne | 14976419.387929998 | 353528.66336 | 2786704.3437564336 | 4011314 | 22922651.71138147 | 31884807.287343316 | 76935425.39377122 | 683801.86462 | 683801.86462 | 357214 | 357214 | 77976441.25839122 À terme | 6544977.90713 | 1492417.85845 | 6186574.666337195 | 5320934 | 14192708.802825214 | 18105039.117121436 | 51842652.351863846 | 2460690.31445 | 2460690.31445 | 37943 | 37943 | 54341285.66631385 51100500.9889 | 3292880.33653 | 12651776.050304927 | 16313941 | 62566846.342824206 | 83782593.46594498 | 229708538.18450415 | 4883258.728800001 | 4883258.728800001 | 5179263 | 5179263 | 239771059.91330412 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 1938329.1063899999 | 1938329.1063899999 | 0 | 0 | 0 | 0 | 1938329.1063899999 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1671396.60114 | 162043.5774 | 596730.341796539 | 494546 | 1848738.1106600005 | 3332548.269568963 | 8106002.900565502 | 108026.49785 | 108026.49785 | 944211 | 944211 | 9158240.398415502 1671396.60114 | 162043.5774 | 596730.341796539 | 494546 | 1848738.1106600005 | 5270877.375958962 | 10044332.006955503 | 108026.49785 | 108026.49785 | 944211 | 944211 | 11096569.504805502 Obligations à terme Banques locales | 1070400 | 149999.99992 | 1608257.08345 | 373385 | 1213415.6621400001 | 0 | 4415457.745510001 | 1716218.9782 | 1716218.9782 | 0 | 0 | 6131676.7237100005 Banque à l'étranger | 0 | 0 | 0 | 0 | 704294.00029 | 0 | 704294.00029 | 0 | 0 | 0 | 0 | 704294.00029 Autres | 4106912.4570999998 | 208077.05383 | 71084.451535817 | 70096 | 600047.5461900001 | 453430.917514034 | 5509648.426169851 | 70336.88308 | 70336.88308 | 35871 | 35871 | 5615856.309249851 5177312.4571 | 358077.05374999996 | 1679341.534985817 | 443481 | 2517757.20862 | 453430.917514034 | 10629400.171969851 | 1786555.86128 | 1786555.86128 | 35871 | 35871 | 12451827.033249851 Autres passifs | 854980.41663 | 2660.7460899999996 | 261927.41645855003 | 630719 | 2132398.48467 | 1299617.5340270088 | 5182303.59787556 | 173450.4977299999 | 173450.4977299999 | 0 | 0 | 5355754.09560556 58804190.46377 | 3815661.71377 | 15189775.343545835 | 17882687 | 69065740.1467742 | 90806519.29344499 | 255564573.96130502 | 6951291.58566 | 6951291.58566 | 6159345 | 6159345 | 268675210.546965 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 165000 | 549088.65917 | 540000 | 1330595 | 3232525 | 8817208.65917 | 200000 | 200000 | 103837 | 103837 | 9121045.65917 Réserves | 490509.017 | 64740.496 | 75378.91922 | 279662 | 1874755.0695 | 2420837.9082299997 | 5205883.409949999 | 251452.08089999997 | 251452.08089999997 | 63865 | 63865 | 5521200.49085 Réserves (Prov. Pour pertes sur prêts) | 157217.06915 | 0 | 93748.95312 | 0 | 0 | 0 | 250966.02227000002 | 0 | 0 | 0 | 0 | 250966.02227000002 Surplus d'apport | 0 | 14325 | 414144.06934 | 1384 | 125897.67262 | 0 | 555750.74196 | 0 | 0 | 0 | 0 | 555750.74196 BNR | 1030885.75774 | -241045.12843 | 89631.46641999998 | 735225 | 1933787.722599999 | 6938422.12045 | 10486906.938779999 | 153958.4828 | 153958.4828 | 204743 | 204743 | 10845608.421579998 4678611.84389 | 3020.367569999973 | 1221992.06727 | 1556271 | 5265035.46472 | 12591785.02868 | 25316715.772129998 | 605410.5636999999 | 605410.5636999999 | 372445 | 372445 | 26294571.335829996 63482802.30766 | 3818682.0813399996 | 16411767.410815835 | 19438958 | 74330775.6114942 | 103398304.32212499 | 280881289.7334351 | 7556702.14936 | 7556702.14936 | 6531790 | 6531790 | 294969781.88279504 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 123167.93713 | 547.674955049 | 123715.61208504901 | 0 | 0 | 0 | 0 | 123715.61208504901 Crédit documentaire | 341213.316 | 0 | 0 | 0 | 1428369.5702 | 1571797.1788139371 | 3341380.065013937 | 0 | 0 | 0 | 0 | 3341380.065013937 Autres | 2116309.91175 | 203466.333166015 | 1559309.544800024 | 171116 | 3837584.7266499996 | 1579792.6691360208 | 9467579.18550206 | 601212.8842099999 | 601212.8842099999 | -757562.20683 | -757562.20683 | 9311229.862882059 Portefeuille brut | 13976793.45937 | 1565554.7878700001 | 7929705.873031712 | 7800254 | 22157362.993809998 | 27263068.859240003 | 80692739.9733217 | 4281302.14185 | 4281302.14185 | 587187 | 587187 | 85561229.1151717 Provisions pour créances douteuses | 384858.07302999997 | 554434.44904 | 53677.549856704 | 45127 | 948766.97533 | 281555.85143000004 | 2268419.898686704 | 115668.6348 | 115668.6348 | 0 | 0 | 2384088.5334867043 Portefeuille de crédit improductif | 997082.54785 | 731679.814694684 | 50853.36287324799 | 66850 | 796964 | 130730.37436999999 | 2774160.099787932 | 366312.20177 | 366312.20177 | 0 | 0 | 3140472.301557932 Dépôts US convertis | 21185728 | 1520065.03864 | 8107416.2889783 | 11272143 | 39189592.84966679 | 66808768.472785726 | 148083713.65007082 | 3352471.66432 | 3352471.66432 | 4175420 | 4175420 | 155611605.3143908 Immobilisation /A | 0.3809303314929799 | 103.02173775491929 | 0.42597141029966096 | 0.37656937641323396 | 0.5138962421526426 | 0.16702615925777717 | 0.3163445789870787 | 0.5375992517389898 | 0.5375992517389898 | 0.8874545234866893 | 0.8874545234866893 | 0.3295281732356293 Liquidité en % de l'actif | 0.5788626355811047 | 0.5852306189144164 | 0.45584611270428643 | 0.48988505453841713 | 0.4276949151613791 | 0.39954113195546015 | 0.4595873856822385 | 0.32532914358442405 | 0.32532914358442405 | 0.8545205831785774 | 0.8545205831785774 | 0.46489325516271424 Liquidité en % des dépôts | 0.7191284148108905 | 0.6786792866742972 | 0.5913193805422216 | 0.583724987113782 | 0.5081108706494057 | 0.4930842295844017 | 0.5619708290686517 | 0.5034374738248049 | 0.5034374738248049 | 1.0776724410403564 | 1.0776724410403564 | 0.57191832131758 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 40820046.60919861 | BNC | 5123000 | UNIBK | 26981513.007810004 | UNIBK | 12591785.02868 SOGEBK | 31565894.769039996 | BPH | 470000 | SOGEBK | 21208596.01848 | SOGEBK | 5265035.46472 BNC | 30224822.272189997 | SOGEBK | 225000 | BNC | 13591935.38634 | BNC | 4678611.84389 CAPITALBK | 9522855 | CAPITALBK | 0 | BUH | 7876028.323175008 | CAPITALBK | 1556271 BUH | 7481240.376825224 | CBNA | 0 | CAPITALBK | 7755127 | BUH | 1221992.06727 CBNA | 5581549 | UNIBK | 0 | SOGEBL | 4165633.50705 | SOGEBL | 605410.5636999999 SOGEBL | 2458415.4384600003 | BUH | 0 | BPH | 1011120.33883 | CBNA | 372445 BPH | 1598167.37225 | SOGEBL | 0 | CBNA | 587187 | BPH | 3020.367569999973 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | 0 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbandéc. 16 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 DECEMBRE 2016 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 7078993.744 | 127789.60646 | 589460.337957808 | 448782 | 2808328.77204 | 2138890.267340015 | 13192244.727797825 | 52972.21194 | 52972.21194 | 60129 | 120855 | 180984 | 13426200.939737825 Avoirs à la BRH | 17364382.190410003 | 999327.5172700001 | 5139154.28615508 | 5963826 | 24239466.10655 | 27829300.15668352 | 81535456.2570686 | 1216117.41803 | 1216117.41803 | 3950016 | 3148403 | 7098419 | 89849992.6750986 Avoirs à l'étranger | 1094957.2488 | 161763.99172 | 432086.789638848 | 1647501 | 1303720.70946 | 2426133.452227305 | 7066163.191846153 | 4589.09092 | 4589.09092 | 265139 | 1354438 | 1619577 | 8690329.282766152 Avoirs dans les banques locales | 0 | 0 | 14861.30772696 | 933 | 2728.25494 | 0 | 18522.56266696 | 785076.45987 | 785076.45987 | 0 | 0 | 0 | 803599.02253696 Autres liquidités | 192549.36944000004 | 37606.66916 | 14863.868736784 | 230988 | 112277.93193000002 | 971104.985121802 | 1559390.824388586 | 15307.381010000001 | 15307.381010000001 | 166497 | 89147 | 255644 | 1830342.2053985859 25730882.55265 | 1326487.7846100002 | 6190426.59021548 | 8292030 | 28466521.774920005 | 33365428.861372642 | 103371777.56376812 | 2074062.5617700003 | 2074062.5617700003 | 4441781 | 4712843 | 9154624 | 114600464.12553813 Bons B.R.H. | 8650000 | 776000 | 0 | 396791 | 425000 | 0 | 10247791 | 0 | 0 | 99950 | 0 | 99950 | 10347741 Bons du Trésor / M.E.F. | 1400000 | 181223.20292 | 0 | 0 | 0 | 538511.83679 | 2119735.03971 | 0 | 0 | 0 | 0 | 0 | 2119735.03971 Autres Placements | 8756662.852840003 | 25311.49003 | 396962.147357864 | 1151594 | 17290537.05805 | 27757422.668712165 | 55378490.21699003 | 2406477.1714 | 2406477.1714 | 0 | 0 | 0 | 57784967.388390034 Portefeuille net | 12680024.04587 | 1048551.42491 | 7050399.810845597 | 7431185 | 21683571.517899998 | 24829952.26824 | 74723684.0677656 | 4110579.8190500005 | 4110579.8190500005 | 662576 | 2044064 | 2706640 | 81540903.8868156 Immobilisations | 1867214.0200299998 | 313177.76937 | 538433.42716 | 564850 | 2678828.43975 | 2100118.6361100003 | 8062622.29242 | 311956.61313 | 311956.61313 | 333343 | 84169 | 417512 | 8792090.90555 Autres actifs | 1744147.24042 | 232433.0241 | 176839.285756008 | 588512 | 2414464.65133 | 1596155.8972029723 | 6752552.09880898 | 178873.64461999998 | 178873.64461999998 | 36029 | -89746 | -53717 | 6877708.74342898 60828930.71181001 | 3903184.6959400005 | 14353061.26133495 | 18424962 | 72958923.44195001 | 90187590.1684278 | 260656652.27946272 | 9081949.809969999 | 9081949.809969999 | 5573679 | 6751330 | 12325009 | 282063611.0894328 PASSIF Dépôts À vue | 28987555.96525 | 1526582.4923999999 | 3104450.41375848 | 6433262 | 23458564.884668484 | 29337345.455783404 | 92847761.21186036 | 1647428.06889 | 1647428.06889 | 3959733 | 3819506 | 7779239 | 102274428.28075036 Épargne | 14571692.493189998 | 366989.80152 | 2559050.9637469603 | 3747576 | 21879983.9511383 | 28081313.57025259 | 71206606.77984785 | 693992.77488 | 693992.77488 | 337984 | 1751322 | 2089306 | 73989905.55472785 À terme | 6194488.5404900005 | 1451444.04761 | 5185839.719203088 | 4844258 | 15755464.967027573 | 16606191.474987146 | 50037686.74931781 | 4018327.92888 | 4018327.92888 | 37005 | 340772 | 377777 | 54433791.67819781 49753736.99893 | 3345016.34153 | 10849341.096708529 | 15025096 | 61094013.80283436 | 74024850.50102314 | 214092054.74102604 | 6359748.77265 | 6359748.77265 | 4334722 | 5911600 | 10246322 | 230698125.51367602 Obligations à vue Banques locales | 0 | 0 | 0 | 285000 | 0 | 954652.59725 | 1239652.59725 | 0 | 0 | 0 | 0 | 0 | 1239652.59725 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1203063.72751 | 185705.00805 | 412808.509568672 | 562049 | 1397450.3706300003 | 2089784.45022354 | 5850861.065982212 | 70794.89456 | 70794.89456 | 812089 | 319866 | 1131955 | 7053610.960542212 1203063.72751 | 185705.00805 | 412808.509568672 | 847049 | 1397450.3706300003 | 3044437.04747354 | 7090513.663232213 | 70794.89456 | 70794.89456 | 812089 | 319866 | 1131955 | 8293263.557792213 Obligations à terme Banques locales | 444000 | 162499.99993 | 1636023.33344 | 226561 | 782121.2656 | 0 | 3251205.59897 | 1726039.9167 | 1726039.9167 | 0 | 0 | 0 | 4977245.51567 Banque à l'étranger | 0 | 0 | 0 | 0 | 1127815.0994000002 | 0 | 1127815.0994000002 | 0 | 0 | 0 | 0 | 0 | 1127815.0994000002 Autres | 3696478.76678 | 206957.95355 | 111380.15434239202 | 94783 | 1102386.86689 | 516127.65118324803 | 5728114.39274564 | 90362.83069 | 90362.83069 | 47799 | 48885 | 96684 | 5915161.22343564 4140478.76678 | 369457.95348 | 1747403.487782392 | 321344 | 3012323.2318900004 | 516127.65118324803 | 10107135.09111564 | 1816402.74739 | 1816402.74739 | 47799 | 48885 | 96684 | 12020221.83850564 Autres passifs | 998664.85 | 8606.66971 | 243321.86449968803 | 626014 | 2056238.5166699998 | 1306935.037305311 | 5239780.938184999 | 173350.62456 | 173350.62456 | 1259 | 65745 | 67004 | 5480135.562744999 56095944.34322 | 3908785.97277 | 13252874.958559282 | 16819503 | 67560025.92202437 | 78892350.23698524 | 236529484.43355888 | 8420297.03916 | 8420297.03916 | 5195869 | 6346096 | 11541965 | 256491746.4727189 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 542746.99917 | 540000 | 1330595 | 3233325 | 7311666.99917 | 200000 | 200000 | 103837 | 94373 | 198210 | 7709876.99917 Réserves | 327142.246 | 64740.496 | 53151.246490000005 | 226473 | 1798415.32429 | 654377.60976 | 3124299.9225399997 | 251452.08089999997 | 251452.08089999997 | 61225 | 47186 | 108411 | 3484163.0034399997 Réserves (Prov. Pour pertes sur prêts) | 159708.82656000002 | 0 | 84645.93348 | 0 | 0 | 0 | 244354.76004000002 | 0 | 0 | 0 | 25933 | 25933 | 270287.76004 Surplus d'apport | 0 | 14325 | 373948.88833999995 | 1384 | 125897.67262 | 0 | 515555.5609599999 | 0 | 0 | 0 | 0 | 0 | 515555.5609599999 BNR | 2746135.2961 | -249666.77283 | 45693.235349999995 | 837602 | 2143989.52301 | 7407537.319060001 | 12931290.60069 | 210200.68967999998 | 210200.68967999998 | 212748 | 237742 | 450490 | 13591981.29037 4732986.36866 | -5601.276830000017 | 1100186.30283 | 1605459 | 5398897.51992 | 11295239.928820001 | 24127167.8434 | 661652.7705799999 | 661652.7705799999 | 377810 | 405234 | 783044 | 25571864.613980003 60828930.711880006 | 3903184.69594 | 14353061.261389282 | 18424962 | 72958923.44194438 | 90187590.16580524 | 260656652.2769589 | 9081949.80974 | 9081949.80974 | 5573679 | 6751330 | 12325009 | 282063611.0866989 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 123451.56952 | 5767.285391336 | 129218.854911336 | 0 | 0 | 0 | 0 | 0 | 129218.854911336 Crédit documentaire | 244450.171 | 0 | 0 | 0 | 1527716.2624000001 | 1055260.1093528161 | 2827426.5427528163 | 0 | 0 | 0 | 71152 | 71152 | 2898578.5427528163 Autres | 2150656.171 | 338881.55855656 | 102781.574883776 | 211084 | 3908603.4265799997 | 628175.882668104 | 7340182.613688439 | 674028.255102 | 674028.255102 | -954648.8684799997 | 1186236 | 231587.1315200003 | 8245798.00031044 Portefeuille brut | 13157609.62294 | 1597025.3201799998 | 7104534.7173067 | 7492724 | 22619766.225759998 | 25091726.39871 | 77063386.2848967 | 4219809.715530001 | 4219809.715530001 | 662576 | 2114060 | 2776636 | 84059832.00042671 Provisions pour créances douteuses | 477585.57707 | 548473.89527 | 54134.90646110401 | 61539 | 936194.70786 | 261774.13047 | 2339702.217131104 | 109229.89648 | 109229.89648 | 0 | 69996 | 69996 | 2518928.113611104 Portefeuille de crédit improductif | 639174.419 | 680584.3940036639 | 55500.460010471994 | 65861 | 762153 | 12509.777940000002 | 2215783.0509541356 | 529087.4604 | 529087.4604 | 0 | 128695 | 128695 | 2873565.5113541353 Dépôts US convertis | 22288435.23879 | 1784556.0548100001 | 6868971.067668528 | 11334024 | 42095786.36407436 | 50163988.93282313 | 134535761.65816602 | 5080523.45405 | 5080523.45405 | 2726740 | 3500837 | 6227577 | 145843862.11221603 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 33365428.861372642 | BNC | 8650000 | UNIBK | 24829952.26824 | UNIBK | 11295239.928820001 SOGEBK | 28466521.774920005 | BPH | 776000 | SOGEBK | 21683571.517899998 | SOGEBK | 5398897.51992 BNC | 25730882.55265 | SOGEBK | 425000 | BNC | 12680024.04587 | BNC | 4732986.36866 CAPITALBK | 8292030 | CAPITALBK | 396791 | CAPITALBK | 7431185 | CAPITALBK | 1605459 BUH | 6190426.59021548 | CBNA | 99950 | BUH | 7050399.810845597 | BUH | 1100186.30283 SCOTIA | 4712843 | UNIBK | 0 | SOGEBL | 4110579.8190500005 | SOGEBL | 661652.7705799999 CBNA | 4441781 | BUH | 0 | SCOTIA | 2044064 | SCOTIA | 405234 SOGEBL | 2074062.5617700003 | SCOTIA | 0 | BPH | 1048551.42491 | CBNA | 377810 BPH | 1326487.7846100002 | SOGEBL | 0 | CBNA | 662576 | BPH | -5601.276830000017 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbansept. 16 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2016 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 8085458.86272 | 146651.21622 | 387879.38370987197 | 483307 | 2247354.50227 | 1464313.4921792662 | 12814964.457099136 | 32876.646459999996 | 32876.646459999996 | 90232 | 90909 | 181141 | 13028982.103559136 Avoirs à la BRH | 17680736.87568 | 1292484.57736 | 4346531.398423185 | 5737111 | 23694209.69418 | 27048046.203845344 | 79799119.74948853 | 1101993.94706 | 1101993.94706 | 3151544 | 3048613 | 6200157 | 87101270.69654854 Avoirs à l'étranger | 829503.02621 | 24158.03431 | 450572.96267541597 | 1526659 | 1657998.83801 | 1551959.0058798597 | 6040850.867085275 | 6106.41099 | 6106.41099 | 662257 | 1300841 | 1963098 | 8010055.278075275 Avoirs dans les banques locales | 0 | 0 | 206162.07681047998 | 762 | 2645.03938 | 0.5135672332618175 | 209569.62975771324 | 356306.96691 | 356306.96691 | 0 | 0 | 0 | 565876.5966677133 Autres liquidités | 529923.70989 | 53003.8307 | 915.3793076000001 | 160484 | 114385.1936 | 640565.204853264 | 1499277.318350864 | 30318.967380000002 | 30318.967380000002 | 140392 | 132799 | 273191 | 1802787.2857308642 27125622.474499997 | 1516297.6585900001 | 5392061.2009265525 | 7908323 | 27716593.26744 | 30704884.420324966 | 100363782.02178153 | 1527602.9388 | 1527602.9388 | 4044425 | 4573162 | 8617587 | 110508971.96058153 Bons B.R.H. | 8550000 | 520000 | 0 | 229280 | 450000 | 0 | 9749280 | 0 | 0 | 717660 | 0 | 717660 | 10466940 Bons du Trésor / M.E.F. | 1400000 | 195804.10019 | 0 | 0 | 0 | 585194.73104 | 2180998.8312299997 | 0 | 0 | 0 | 0 | 0 | 2180998.8312299997 Autres Placements | 7424434.975090001 | 37721.18637 | 421099.653130112 | 1077041 | 16171370.873690002 | 26884592.744854473 | 52016260.433134586 | 2365402.87076 | 2365402.87076 | 0 | 0 | 0 | 54381663.30389459 Portefeuille net | 12070989.83093 | 1083400.16735 | 6260595.229417007 | 7139923 | 21239380.97674 | 24839199.19299 | 72633488.39742701 | 4095844.532667 | 4095844.532667 | 744549 | 2012504 | 2757053 | 79486385.930094 Immobilisations | 1853226.9670299997 | 315400.18067000003 | 545637.47267 | 513620 | 2605701.3763200003 | 1905794.4704099998 | 7739380.467099999 | 288440.87075 | 288440.87075 | 336196 | 100641 | 436837 | 8464658.337849999 Autres actifs | 1740679.9426099998 | 36449.41872 | 168866.35615540008 | 244092 | 2255392.3790499996 | 1240081.660069248 | 5685561.756604647 | 159276.2775299999 | 159276.2775299999 | 5010 | 16115 | 21125 | 5865963.034134647 60164954.19016 | 3705072.71189 | 12788259.91229907 | 17112279 | 70438438.87324001 | 86159747.21968868 | 250368751.90727776 | 8436567.490507 | 8436567.490507 | 5847840 | 6702422 | 12550262 | 271355581.39778477 PASSIF Dépôts À vue | 29560291.305030003 | 1553008.29211 | 2791395.43309088 | 6045670 | 21569671.20947007 | 28337570.484993607 | 89857606.72469455 | 1451241.3418 | 1451241.3418 | 4047601 | 3743014 | 7790615 | 99099463.06649455 Épargne | 13408578.313669998 | 349391.42669999995 | 2543540.021496704 | 3580489 | 21041967.37972573 | 26238291.68289642 | 67162257.82448885 | 625973.66186 | 625973.66186 | 363045 | 1815518 | 2178563 | 69966794.48634885 À terme | 5955359.23224 | 1455748.3975 | 4185222.9343464077 | 4706458 | 15601913.954013113 | 15636281.188554617 | 47540983.70665414 | 3920398.83952 | 3920398.83952 | 46567 | 341556 | 388123 | 51849505.54617414 48924228.85094 | 3358148.11631 | 9520158.388933992 | 14332617 | 58213552.54320891 | 70212143.35644464 | 204560848.25583753 | 5997613.84318 | 5997613.84318 | 4457213 | 5900088 | 10357301 | 220915763.09901753 Obligations à vue Banques locales | 0 | 0 | 0 | 232976 | 0 | 880532.45646 | 1113508.45646 | 0 | 0 | 360000 | 0 | 360000 | 1473508.45646 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 687247.888766208 | 687247.888766208 | 0 | 0 | 0 | 0 | 0 | 687247.888766208 Autres | 2010947.7527799997 | 158807.11024 | 426686.13899043994 | 365337 | 1401479.525 | 1655901.865180896 | 6019159.392191335 | 104794.04464 | 104794.04464 | 613369 | 320949 | 934318 | 7058271.436831335 2010947.7527799997 | 158807.11024 | 426686.13899043994 | 598313 | 1401479.525 | 3223682.210407104 | 7819915.737417542 | 104794.04464 | 104794.04464 | 973369 | 320949 | 1294318 | 9219027.782057542 Obligations à terme Banques locales | 198000 | 174999.99994 | 1415303.33342 | 0 | 712829.73018 | 0 | 2501133.06354 | 1445444.6667 | 1445444.6667 | 0 | 0 | 0 | 3946577.73024 Banque à l'étranger | 0 | 0 | 0 | 0 | 1682965.0831100002 | 0 | 1682965.0831100002 | 0 | 0 | 0 | 0 | 0 | 1682965.0831100002 Autres | 3575140.79943 | 16195.531869999999 | 119459.75453243201 | 88943 | 1070448.7120100001 | 555270.291067928 | 5425458.088910361 | 88800.62738 | 88800.62738 | 38212 | 42741 | 80953 | 5595211.716290361 3773140.79943 | 191195.53181000001 | 1534763.087952432 | 88943 | 3466243.5253 | 555270.291067928 | 9609556.235560361 | 1534245.29408 | 1534245.29408 | 38212 | 42741 | 80953 | 11224754.529640362 Autres passifs | 1010026.04205 | 9934.49585 | 274827.0183998 | 566298 | 2087807.1198 | 1235305.7456866088 | 5184198.421786409 | 162543.19188 | 162543.19188 | 2178 | 57072 | 59250 | 5405991.613666409 55718343.44519999 | 3718085.25421 | 11756434.634276662 | 15586171 | 65169082.713308915 | 75226401.60360628 | 227174518.65060186 | 7799196.37378 | 7799196.37378 | 5470972 | 6320850 | 11791822 | 246765537.02438188 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 539184.99917 | 540000 | 1330595 | 3234712.5 | 7309492.49917 | 200000 | 200000 | 103837 | 94373 | 198210 | 7707702.49917 Réserves | 327142.246 | 64740.496 | 57070.248 | 222733 | 1563251.29725 | 648776.90215 | 2883714.1894 | 223078.9839 | 223078.9839 | 64834 | 87074 | 151908 | 3258701.1733 Réserves (Prov. Pour pertes sur prêts) | 159708.82656000002 | 0 | 67840.98040999999 | 0 | 0 | 0 | 227549.80697 | 0 | 0 | 0 | 25462 | 25462 | 253011.80697 Surplus d'apport | 0 | 14325 | 346520.79623000004 | 1384 | 125897.67262 | 0 | 488127.46885000006 | 0 | 0 | 0 | 0 | 0 | 488127.46885000006 BNR | 2459759.67556 | -257078.03832 | 21208.254140000034 | 761991 | 2249612.190060001 | 7049856.215559999 | 12285349.297 | 214292.13356 | 214292.13356 | 208197 | 174663 | 382860 | 12882501.43056 4446610.74812 | -13012.542320000008 | 1031825.27795 | 1526108 | 5269356.15993 | 10933345.61771 | 23194233.26139 | 637371.11746 | 637371.11746 | 376868 | 381572 | 758440 | 24590044.378849998 60164954.19331999 | 3705072.71189 | 12788259.912226662 | 17112279 | 70438438.87323892 | 86159747.22131628 | 250368751.91199183 | 8436567.49124 | 8436567.49124 | 5847840 | 6702422 | 12550262 | 271355581.40323186 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 111401.26890000001 | 271.457874491 | 111672.726774491 | 0 | 0 | 0 | 0 | 0 | 111672.726774491 Crédit documentaire | 196610.4 | 0 | 0 | 0 | 1115041.48352 | 1022605.422937896 | 2334257.306457896 | 0 | 0 | 0 | 65193 | 65193 | 2399450.306457896 Autres | 1725729.7650000001 | 238690.841050216 | 91104.716427712 | 123434 | 4345757.98061 | 591566.379731576 | 7116283.682819504 | 597211.68542 | 597211.68542 | -1111258 | 933815 | -177443 | 7536052.368239504 Portefeuille brut | 12541336.939 | 1625694.58353 | 6312831.975697439 | 7193246 | 22150423.64859 | 25091895.702 | 74915428.84881744 | 4182810.581047 | 4182810.581047 | 744549 | 2094335 | 2838884 | 81937123.42986444 Provisions pour créances douteuses | 470347.10806999996 | 542294.41618 | 52236.746280432 | 53323 | 911042.67185 | 252696.50901 | 2281940.451390432 | 86966.04838 | 86966.04838 | 0 | 81831 | 81831 | 2450737.4997704322 Portefeuille de crédit improductif | 559665.132 | 613196.962776768 | 43366.456848248 | 85055 | 726965 | 174164.35942000002 | 2202412.911045016 | 435380.44466000004 | 435380.44466000004 | 0 | 143923 | 143923 | 2781716.355705016 Dépôts US convertis | 22113567.72763 | 1734437.25441 | 5917046.689783992 | 10865099 | 39652302.116298914 | 47334513.81060464 | 127616966.59872755 | 4734873.09525 | 4734873.09525 | 3151252 | 3141907 | 6293159 | 138644998.69397753 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 30704884.420324966 | BNC | 8550000 | UNIBK | 24839199.19299 | UNIBK | 10933345.61771 SOGEBK | 27716593.26744 | CBNA | 717660 | SOGEBK | 21239380.97674 | SOGEBK | 5269356.15993 BNC | 27125622.474499997 | BPH | 520000 | BNC | 12070989.83093 | BNC | 4446610.74812 CAPITALBK | 7908323 | SOGEBK | 450000 | CAPITALBK | 7139923 | CAPITALBK | 1526108 BUH | 5392061.2009265525 | CAPITALBK | 229280 | BUH | 6260595.229417007 | BUH | 1031825.27795 SCOTIA | 4573162 | UNIBK | 0 | SOGEBL | 4095844.532667 | SOGEBL | 637371.11746 CBNA | 4044425 | BUH | 0 | SCOTIA | 2012504 | SCOTIA | 381572 SOGEBL | 1527602.9388 | SCOTIA | 0 | BPH | 1083400.16735 | CBNA | 376868 BPH | 1516297.6585900001 | SOGEBL | 0 | CBNA | 744549 | BPH | -13012.542320000008 3637.4000000003725 687247.8999999762 3637.4000000003725 [bilsysbanjuin 16] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 JUIN 2016 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 7528010.773 | 174386.20593 | 455049.62862708 | 471700 | 3026147.0931100002 | 1719395.891989387 | 13374689.592656469 | 40197.394499999995 | 40197.394499999995 | 82730 | 83882 | 166612 | 13581498.98715647 Avoirs à la BRH | 14314644.033999998 | 1233535.5687199999 | 3442276.13217971 | 5538118 | 21442983.94377 | 25343441.65403024 | 71314999.33269995 | 1130313.1352900001 | 1130313.1352900001 | 3858592 | 2895142 | 6753734 | 79199046.46798995 Avoirs à l'étranger | 1059273.2 | 78190.06982 | 244765.622095164 | 1601347 | 1569968.96834 | 1440633.811157385 | 5994178.671412549 | 7698.7989 | 7698.7989 | 185871 | 1487287 | 1673158 | 7675035.470312549 Avoirs dans les banques locales | 0 | 0 | 20445.443762692 | 24724 | 5832.6569 | 387.71249236860615 | 51389.813155060605 | 2296454.35905 | 2296454.35905 | 0 | 0 | 0 | 2347844.1722050607 Autres liquidités | 469268.13499999995 | 25015.553890000003 | 131.34133099999997 | 141077 | 95036.73343000002 | 602502.651240411 | 1333031.4148914109 | 32929.70308 | 32929.70308 | 112286 | 55989 | 168275 | 1534236.1179714107 23371196.141999997 | 1511127.39836 | 4162668.167995646 | 7776966 | 26139969.395549998 | 29106361.720909793 | 92068288.82481542 | 3507593.39082 | 3507593.39082 | 4239479 | 4522300 | 8761779 | 104337661.21563543 Bons B.R.H. | 7165000 | 498000 | 0 | 392466 | 765000 | 0 | 8820466 | 0 | 0 | 424319 | 0 | 424319 | 9244785 Bons du Trésor / M.E.F. | 1400000 | 211078.62988 | 0 | 0 | 0 | 631877.62529 | 2242956.25517 | 0 | 0 | 0 | 0 | 0 | 2242956.25517 Autres Placements | 7050203.975399999 | 36186.22675 | 409718.539054598 | 1153348 | 15601890.709719999 | 25278308.522001162 | 49529655.97292576 | 238564.88857 | 238564.88857 | 0 | 0 | 0 | 49768220.86149576 Portefeuille net | 11716251.711959999 | 988649.81252 | 5672286.917158305 | 6526184 | 19825768.82528 | 22563699.45067 | 67292840.7175883 | 4050371.5877380003 | 4050371.5877380003 | 731406 | 2130058 | 2861464 | 74204676.30532631 Immobilisations | 1781186.9950299999 | 313724.53178 | 528586.5843400001 | 488897 | 2501425.0159500004 | 1718246.3313199999 | 7332066.45842 | 287751.60498 | 287751.60498 | 341297 | 92165 | 433462 | 8053280.0634 Autres actifs | 1700859.23205 | 34526.33326 | 80965.41102154601 | 346787 | 2279335.60195 | 1374743.402095122 | 5817216.980376668 | 173641.45389 | 173641.45389 | 14614 | 183096 | 197710 | 6188568.434266668 54184698.056439996 | 3593292.93255 | 10854225.619570095 | 16684648 | 67113389.54845 | 80673237.05228609 | 233103491.20929617 | 8257922.925998 | 8257922.925998 | 5751115 | 6927619 | 12678734 | 254040148.13529417 PASSIF Dépôts À vue | 25640333.80449 | 1404060.4641 | 2389571.883051195 | 5710748 | 20142408.931109212 | 26506849.493222028 | 81793972.57597244 | 1491002.19681 | 1491002.19681 | 3881056 | 3838302 | 7719358 | 91004332.77278244 Épargne | 13128948.54913 | 392979.41914 | 2782139.9347339272 | 3552434 | 20645959.91751245 | 26002357.14825475 | 66504818.96877113 | 601112.0734900001 | 601112.0734900001 | 379455 | 1828896 | 2208351 | 69314282.04226112 À terme | 5715213.4538900005 | 1442433.8730199998 | 3307104.450049106 | 4552451 | 14708214.166260822 | 13648964.831816075 | 43374381.77503601 | 3749455.94147 | 3749455.94147 | 93488 | 323088 | 416576 | 47540413.716506004 44484495.80751 | 3239473.7562599997 | 8478816.267834228 | 13815633 | 55496583.01488249 | 66158171.47329286 | 191673173.31977957 | 5841570.21177 | 5841570.21177 | 4353999 | 5990286 | 10344285 | 207859028.53154957 Obligations à vue Banques locales | 0 | 0 | 0 | 239392 | 0 | 895373.26484 | 1134765.2648399998 | 0 | 0 | 360000 | 0 | 360000 | 1494765.2648399998 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1181534.17791 | 149696.41851000002 | 353295.795089751 | 385703 | 1388434.0965200001 | 1903409.994397189 | 5362073.4824269395 | 126609.27416999998 | 126609.27416999998 | 580997 | 339702 | 920699 | 6409381.75659694 1181534.17791 | 149696.41851000002 | 353295.795089751 | 625095 | 1388434.0965200001 | 2798783.259237189 | 6496838.747266939 | 126609.27416999998 | 126609.27416999998 | 940997 | 339702 | 1280699 | 7904147.021436939 Obligations à terme Banques locales | 3000 | 187499.99995 | 1086466.66674 | 0 | 718533.61698 | 0 | 1995500.2836700003 | 1467264.4167 | 1467264.4167 | 0 | 0 | 0 | 3462764.70037 Banque à l'étranger | 0 | 0 | 0 | 0 | 1611236.6009099998 | 0 | 1611236.6009099998 | 0 | 0 | 0 | 0 | 0 | 1611236.6009099998 Autres | 3242324.0866099996 | 10897.29128 | 96324.264823183 | 100679 | 858593.8680100001 | 676026.032443464 | 4984844.543166647 | 78945.53106000001 | 78945.53106000001 | 55729 | 19803 | 75532 | 5139322.074226647 3245324.0866099996 | 198397.29123 | 1182790.931563183 | 100679 | 3188364.0859000003 | 676026.032443464 | 8591581.427746646 | 1546209.94776 | 1546209.94776 | 55729 | 19803 | 75532 | 10213323.375506647 Autres passifs | 1028329.959 | 9483.058089999999 | 197238.28899846002 | 686029 | 2050080.93581 | 1210547.182985923 | 5181708.424884383 | 138974.91728 | 138974.91728 | 12984 | 201927 | 214911 | 5535594.342164382 49939684.03103 | 3597050.52409 | 10212141.283485623 | 15227436 | 62123462.13311249 | 70843527.94795942 | 211943301.91967753 | 7653364.35098 | 7653364.35098 | 5363709 | 6551718 | 11915427 | 231512093.27065754 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 431612 | 320000 | 1330595 | 3235781.25 | 6982988.25 | 150000 | 150000 | 103837 | 94373 | 198210 | 7331198.25 Réserves | 327142.246 | 64740.496 | 57070.248 | 315613 | 1494185.96014 | 665028.45857 | 2923780.40871 | 238317.56044000003 | 238317.56044000003 | 64834 | 87074 | 151908 | 3314005.9691500003 Réserves (Prov. Pour pertes sur prêts) | 139708.82656000002 | 0 | 67840.98040999999 | 0 | 0 | 0 | 207549.80697 | 0 | 0 | 0 | 26967 | 26967 | 234516.80697 Surplus d'apport | 0 | 14325 | 96888.14558 | 1384 | 125897.67262 | 0 | 238494.81819999998 | 0 | 0 | 0 | 0 | 0 | 238494.81819999998 BNR | 2278162.95286 | -247823.08754 | -11327.037789999973 | 820215 | 2039248.7825800022 | 5928899.39829 | 10807376.008400002 | 216241.01494000002 | 216241.01494000002 | 218735 | 167487 | 386222 | 11409839.023340002 4245014.02542 | -3757.591540000023 | 642084.3362 | 1457212 | 4989927.415340003 | 9829709.10686 | 21160189.292280003 | 604558.57538 | 604558.57538 | 387406 | 375901 | 763307 | 22528054.86766 54184698.05645 | 3593292.93255 | 10854225.619685624 | 16684648 | 67113389.5484525 | 80673237.05481942 | 233103491.21195757 | 8257922.92636 | 8257922.92636 | 5751115 | 6927619 | 12678734 | 254040148.13831753 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 252303.92348 | 448.76181315800005 | 252752.685293158 | 0 | 0 | 0 | 0 | 0 | 252752.685293158 Crédit documentaire | 188681.7 | 0 | 0 | 0 | 921257.95397 | 902654.0704207001 | 2012593.7243907002 | 0 | 0 | 2209.39352 | 71504 | 73713.39352 | 2086307.1179107002 Autres | 1754840.6269999999 | 272241.123439216 | 96907.211839955 | 169080 | 3944706.9622000004 | 505385.18781457306 | 6743161.112293744 | 746663.942696 | 746663.942696 | 5660052.56843 | 1365893 | 7025945.56843 | 14515770.623419743 Portefeuille brut | 12152366.77 | 1525928.71387 | 5730629.495925585 | 6580316 | 20842641.74766 | 22892136.69843 | 69724019.42588559 | 4151252.675478 | 4151252.675478 | 731406 | 2220455 | 2951861 | 76827133.10136358 Provisions pour créances douteuses | 436115.05804000003 | 537278.90135 | 58342.57876728 | 54132 | 1016872.92238 | 328437.24776 | 2431178.70829728 | 100881.08774 | 100881.08774 | 0 | 90397 | 90397 | 2622456.79603728 Portefeuille de crédit improductif | 1108897 | 599375.2997686311 | 44200.60143995599 | 96392 | 1151289 | 184275.95712 | 3184429.858328587 | 390128.32258000004 | 390128.32258000004 | 0 | 132108 | 132108 | 3706666.180908587 Dépôts US convertis | 19817456.31347 | 1673428.05664 | 5087547.101334228 | 10285394 | 36795050.97609248 | 44722970.76025285 | 118381847.20778956 | 4551267.9735 | 4551267.9735 | 3113595 | 3240870 | 6354465 | 129287580.18128955 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 29106361.720909793 | BNC | 7165000 | UNIBK | 22563699.45067 | UNIBK | 9829709.10686 SOGEBK | 26139969.395549998 | SOGEBK | 765000 | SOGEBK | 19825768.82528 | SOGEBK | 4989927.415340003 BNC | 23371196.141999997 | BPH | 498000 | BNC | 11716251.711959999 | BNC | 4245014.02542 CAPITALBK | 7776966 | CBNA | 424319 | CAPITALBK | 6526184 | CAPITALBK | 1457212 SCOTIA | 4522300 | CAPITALBK | 392466 | BUH | 5672286.917158305 | BUH | 642084.3362 CBNA | 4239479 | UNIBK | 0 | SOGEBL | 4050371.5877380003 | SOGEBL | 604558.57538 BUH | 4162668.167995646 | BUH | 0 | SCOTIA | 2130058 | CBNA | 387406 SOGEBL | 3507593.39082 | SCOTIA | 0 | BPH | 988649.81252 | SCOTIA | 375901 BPH | 1511127.39836 | SOGEBL | 0 | CBNA | 731406 | BPH | -3757.591540000023 0 [bilsysbanmars 16] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 MARS 2016 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 8471346.496 | 167605.41936 | 615842.390907447 | 468703 | 3301104.30826 | 1692600.52288528 | 14717202.137412727 | 39086.878339999996 | 39086.878339999996 | 39539 | 104513 | 144052 | 14900341.015752727 Avoirs à la BRH | 15184112.95 | 1438603.54849 | 3283036.9307435844 | 5930622 | 21203432.2451 | 23058973.750958584 | 70098781.42529216 | 1051091.19193 | 1051091.19193 | 3623300 | 2848831 | 6472131 | 77622003.61722216 Avoirs à l'étranger | 649343.091 | 106324.92397 | 500941.02352142404 | 1604241 | 1432405.4334299997 | 2587737.9461335186 | 6880993.418054942 | 10786.65731 | 10786.65731 | 674242 | 1181474 | 1855716 | 8747496.075364942 Avoirs dans les banques locales | 0 | 0 | 9597.945774056 | 22665 | 3401.3511799999997 | 383.9224158223336 | 36048.21936987834 | 2401295.31609 | 2401295.31609 | 0 | 0 | 0 | 2437343.5354598784 Autres liquidités | 157542.62099999998 | 21223.68624 | 92.17182547 | 99578 | 135616.35051999998 | 549878.431547166 | 963931.2611326359 | 24409.83524 | 24409.83524 | 99258 | 53264 | 152522 | 1140863.096372636 24462345.158 | 1733757.57806 | 4409510.462771982 | 8125809 | 26075959.68849 | 27889574.573940374 | 92696956.46126235 | 3526669.8789099995 | 3526669.8789099995 | 4436339 | 4188082 | 8624421 | 104848047.34017235 Bons B.R.H. | 6222000 | 400000 | 0 | 371932 | 450000 | 0 | 7443932 | 0 | 0 | 299376 | 0 | 299376 | 7743308 Bons du Trésor / M.E.F. | 0 | 224965.89473 | 0 | 0 | 0 | 674393.85287 | 899359.7475999999 | 0 | 0 | 0 | 0 | 0 | 899359.7475999999 Autres Placements | 7702849.255579999 | 35535.38685 | 431155.103061344 | 1011582 | 15145071.450240001 | 22846566.952666067 | 47172760.14839741 | 251695.82911999998 | 251695.82911999998 | 0 | 0 | 0 | 47424455.97751741 Portefeuille net | 9814163.23696 | 773828.4269 | 4866031.985913426 | 6178732 | 19348371.96903 | 23376021.902230002 | 64357149.52103343 | 3927579.0501539996 | 3927579.0501539996 | 876800 | 2074988 | 2951788 | 71236516.57118742 Immobilisations | 1776725.8730299994 | 301253.22696999996 | 460871.11185 | 457690 | 2500437.51057 | 1650282.3753499999 | 7147260.09777 | 290242.64648999996 | 290242.64648999996 | 345125 | 93668 | 438793 | 7876295.74426 Autres actifs | 1877555.3204899998 | 29227.305100000005 | 122967.56386047599 | 411082 | 2331932.52749 | 1339102.9852347719 | 6111867.7021752475 | 168144.11423 | 168144.11423 | 10495 | 19671 | 30166 | 6310177.816405248 51855638.844060004 | 3498567.81861 | 10290536.227457229 | 16556827 | 65851773.14582 | 77775942.64229122 | 225829285.67823845 | 8164331.518904 | 8164331.518904 | 5968135 | 6376409 | 12344544 | 246338161.19714242 PASSIF Dépôts À vue | 24031183.099409997 | 1613325.35308 | 2690014.4272251003 | 6010874 | 17041983.90434 | 25506218.233946923 | 76893599.01800202 | 1484593.94499 | 1484593.94499 | 3861404 | 3449412 | 7310816 | 85689008.96299201 Épargne | 12578805.083829999 | 412163.57769 | 2361311.766450571 | 3429042 | 23531856.590780005 | 25225719.409693103 | 67538898.42844369 | 595743.27227 | 595743.27227 | 385965 | 1847032 | 2232997 | 70367638.70071368 À terme | 5429275.77745 | 1128766.09337 | 3136583.3651181674 | 4275715 | 14368464.080010012 | 12424006.771226607 | 40762811.08717479 | 4008136.0566600002 | 4008136.0566600002 | 92734 | 308544 | 401278 | 45172225.143834785 42039263.96069 | 3154255.02414 | 8187909.558793838 | 13715631 | 54942304.575130016 | 63155944.41486663 | 185195308.53362048 | 6088473.27392 | 6088473.27392 | 4340103 | 5604988 | 9945091 | 201228872.80754048 Obligations à vue Banques locales | 0 | 0 | 0 | 245808 | 0 | 814240.92915 | 1060048.92915 | 0 | 0 | 300000 | 0 | 300000 | 1360048.92915 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 308814 | 0 | 308814 | 308814 Autres | 1565226.76667 | 118267.76624000001 | 323146.503886594 | 690047 | 1761995.7482399999 | 1800344.0520102934 | 6259027.837046887 | 78780.81822 | 78780.81822 | 517240 | 348887 | 866127 | 7203935.655266887 1565226.76667 | 118267.76624000001 | 323146.503886594 | 935855 | 1761995.7482399999 | 2614584.9811602933 | 7319076.766196887 | 78780.81822 | 78780.81822 | 1126054 | 348887 | 1474941 | 8872798.584416887 Obligations à terme Banques locales | 3000 | 199999.99996 | 857291.66674 | 0 | 380000 | 0 | 1440291.6667 | 1209277.1667 | 1209277.1667 | 0 | 0 | 0 | 2649568.8334 Banque à l'étranger | 0 | 0 | 0 | 0 | 1578867.39067 | 0 | 1578867.39067 | 0 | 0 | 0 | 0 | 0 | 1578867.39067 Autres | 3322068.89605 | 5765.5274 | 71350.858774746 | 138513 | 478183.28222000005 | 585879.098184017 | 4601760.662628762 | 68864.49731 | 68864.49731 | 51899 | 13704 | 65603 | 4736228.159938762 3325068.89605 | 205765.52735999998 | 928642.525514746 | 138513 | 2437050.67289 | 585879.098184017 | 7620919.719998762 | 1278141.66401 | 1278141.66401 | 51899 | 13704 | 65603 | 8964664.384008761 Autres passifs | 865944.312 | 5743.71038 | 217110.23330847803 | 404948 | 1983902.2620700002 | 1125911.627103574 | 4603560.144862052 | 141633.31581 | 141633.31581 | 2052 | 48888 | 50940 | 4796133.460672052 47795503.93541 | 3484032.02812 | 9656808.821503656 | 15194947 | 61125253.25833002 | 67482320.12131451 | 204738865.16467822 | 7587029.071959999 | 7587029.071959999 | 5520108 | 6016467 | 11536575 | 223862469.23663822 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 449999 | 320000 | 1325125 | 3236406.25 | 6996530.25 | 150000 | 150000 | 103837 | 94373 | 198210 | 7344740.25 Réserves | 275455.24588 | 64740.496 | 57070.248 | 313311 | 1502335.0858 | 665028.45857 | 2877940.5342499996 | 238317.56044000003 | 238317.56044000003 | 64834 | 87074 | 151908 | 3268166.0946899997 Réserves (Prov. Pour pertes sur prêts) | 120283.42955 | 0 | 59075.461559999996 | 0 | 0 | 0 | 179358.89111 | 0 | 0 | 0 | 26150 | 26150 | 205508.89111 Surplus d'apport | 0 | 14325 | 110688.29523999999 | 1384 | 98799.52017 | 0 | 225196.81540999998 | 0 | 0 | 0 | 0 | 0 | 225196.81540999998 BNR | 2164396.23215 | -229529.70551 | -43105.59883999999 | 727185 | 1800260.2815199988 | 6392187.81375 | 10811394.02307 | 188984.88665 | 188984.88665 | 279356 | 152345 | 431701 | 11432079.90972 4060134.9075800003 | 14535.790489999985 | 633727.40596 | 1361880 | 4726519.887489999 | 10293622.522319999 | 21090420.513839997 | 577302.44709 | 577302.44709 | 448027 | 359942 | 807969 | 22475691.960929997 51855638.84299 | 3498567.81861 | 10290536.227463655 | 16556827 | 65851773.145820014 | 77775942.64363451 | 225829285.67851815 | 8164331.519049999 | 8164331.519049999 | 5968135 | 6376409 | 12344544 | 246338161.19756818 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 189199.0658 | 2517.8402499819995 | 191716.906049982 | 0 | 0 | 0 | 0 | 0 | 191716.906049982 Crédit documentaire | 185288.1 | 0 | 0 | 0 | 949275.57788 | 818624.0351111802 | 1953187.7129911804 | 0 | 0 | 28565.24875 | 93537 | 122102.24875 | 2075289.9617411804 Autres | 2175436.664 | 291876.97434083803 | 90710.730688305 | 197452 | 4359038.6579599995 | 1363313.5992345838 | 8477828.626223726 | 775434.872891 | 775434.872891 | 5739539.186179999 | 1176870 | 6916409.186179999 | 16169672.685294725 Portefeuille brut | 10257516.329 | 1301490.71699 | 4934300.4676527055 | 6228490 | 20383021.23455 | 23681995.14874 | 66786813.896932706 | 4023425.8614339996 | 4023425.8614339996 | 876800 | 2166198 | 3042998 | 73853237.7583667 Provisions pour créances douteuses | 443353.09204 | 527662.29009 | 68268.48173928 | 49758 | 1034649.26552 | 305973.24651 | 2429664.37589928 | 95846.81128 | 95846.81128 | 0 | 91210 | 91210 | 2616721.18717928 Portefeuille de crédit improductif | 940145 | 598659.858685994 | 13029.528875333 | 81120 | 1046680 | 255081.85008999996 | 2934716.2376513267 | 291064.3308 | 291064.3308 | 0 | 142574 | 142574 | 3368354.568451327 Dépôts US convertis | 19348660.94142 | 1777418.71826 | 5052445.047973839 | 10251589 | 36270812.656760015 | 42070879.775366634 | 114771806.13978049 | 4795528.28601 | 4795528.28601 | 3382098 | 3074450 | 6456548 | 126023882.42579049 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 56563045.65713108 | BNC | 4100000 | UNIBK | 35450421.88017 | UNIBK | 11951689.383849999 SOGEBK | 41377313.6593 | SOGEBK | 0 | SOGEBK | 31577300.622840002 | SOGEBK | 7023704.822420001 BNC | 29869082 | BPH | 565000 | BNC | 17556756.5 | BNC | 7031222 CAPITALBK | 13211621 | CAPITALBK | 0 | CAPITALBK | 10321864 | CAPITALBK | 2342502 CBNA | 4863909 | CBNA | 0 | BUH | 13298521.815699294 | BUH | 2815906.61094 BUH | 10960483.455446003 | UNIBK | 0 | SOGEBL | 4495599.1914099995 | SOGEBL | 660348.83264 SCOTIA | 0 | BUH | 200000 | SCOTIA | 0 | CBNA | 436599 SOGEBL | 1664996.4450399997 | SCOTIA | 0 | CBNA | 503049 | SCOTIA | 0 BPH | 1695626.77346 | SOGEBL | 0 | BPH | 722392.17602 | BPH | -37245.79371999996 0 [bilsysbandéc 15 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 31 DECEMBRE 2015 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 7831938.061000001 | 117232.53843 | 572650.68547419 | 383259 | 3160845.39858 | 1677998.8347755321 | 13743924.518259723 | 32356.866909999997 | 32356.866909999997 | 68913 | 109282 | 178195 | 13954476.385169722 Avoirs à la BRH | 12234525.21 | 1512646.5994699998 | 2687268.94375857 | 5097423 | 18976174.47508 | 22193450.21757814 | 62701488.445886716 | 959500.07252 | 959500.07252 | 3256538 | 2409509 | 5666047 | 69327035.51840672 Avoirs à l'étranger | 1150415.446 | 66495.42215 | 361397.01329613 | 1310736 | 1329918.5788500002 | 5001682.606097967 | 9220645.066394098 | 4291.17934 | 4291.17934 | 418051 | 1196549 | 1614600 | 10839536.245734097 Avoirs dans les banques locales | 0 | 0 | 431775.74235322 | 21601 | 3268.24882 | 362.0046146396643 | 457006.99578785966 | 1974144.6119600001 | 1974144.6119600001 | 0 | 0 | 0 | 2431151.60774786 Autres liquidités | 156682.19199999998 | 35965.45263 | 45993.09166407 | 64136 | 124251.00939 | 567980.58884043 | 995008.3345245001 | 9085.072689999999 | 9085.072689999999 | 89064 | 78232 | 167296 | 1171389.4072145 21373560.909 | 1732340.0126799997 | 4099085.47654618 | 6877155 | 23594457.71072 | 29441474.251906708 | 87118073.36085288 | 2979377.80342 | 2979377.80342 | 3832566 | 3793572 | 7626138 | 97723589.16427287 Bons B.R.H. | 5165000 | 125000 | 0 | 49089 | 125000 | 0 | 5464089 | 0 | 0 | 748753 | 0 | 748753 | 6212842 Bons du Trésor / M.E.F. | 1400000 | 239546.792 | 0 | 0 | 0 | 725243.41379 | 2364790.20579 | 0 | 0 | 0 | 0 | 0 | 2364790.20579 Autres Placements | 7970003.516020002 | 32613.82381 | 453121.04274089 | 1043929 | 13695026.617460001 | 18935892.16789771 | 42130586.167928606 | 264433.31967 | 264433.31967 | 0 | 0 | 0 | 42395019.487598605 Portefeuille net | 10052054.99696 | 844916.4511199999 | 4217755.509649619 | 5794496 | 19330372.623910002 | 23281984.016640004 | 63521579.598279625 | 3810905.938206 | 3810905.938206 | 1074653 | 2132066 | 3206719 | 70539204.53648563 Immobilisations | 1632202.0290299999 | 301048.5871 | 387696.82188 | 322564 | 2519188.8412 | 1631951.9581199996 | 6794652.23733 | 292820.11457 | 292820.11457 | 350678 | 74094 | 424772 | 7512244.3519 Autres actifs | 1834450.5871299999 | 22949.89221 | 99186.81944524999 | 492609 | 2459687.23558 | 1175340.17439464 | 6084223.70875989 | 202906.41901 | 202906.41901 | 18042 | 37255 | 55297 | 6342427.12776989 49427272.03814001 | 3298415.5589199997 | 9256845.67026194 | 14579842 | 61723733.02887 | 75191885.98274906 | 213477994.278941 | 7550443.594876 | 7550443.594876 | 6024692 | 6036987 | 12061679 | 233090116.873817 PASSIF Dépôts À vue | 22490786.93688 | 1592832.5780000002 | 2327802.6220361902 | 5465454 | 16036398.089289997 | 25564358.09886267 | 73477632.32506886 | 1366956.11394 | 1366956.11394 | 3662298 | 3158957 | 6821255 | 81665843.43900886 Épargne | 11876949.37403 | 334048.20912 | 2104330.00380962 | 3095200 | 21715626.67953 | 23965231.24686967 | 63091385.513359286 | 551001.51607 | 551001.51607 | 373691 | 1853443 | 2227134 | 65869521.02942929 À terme | 5182394.921569999 | 969819.80216 | 2894241.90294359 | 3530584 | 12900188.99265572 | 14877437.17599449 | 40354666.795323804 | 3711168.0346 | 3711168.0346 | 109051 | 303712 | 412763 | 44478597.8299238 39550131.232480004 | 2896700.58928 | 7326374.528789401 | 12091238 | 50652213.76147571 | 64407026.52172683 | 176923684.63375193 | 5629125.66461 | 5629125.66461 | 4145040 | 5316112 | 9461152 | 192013962.29836196 Obligations à vue Banques locales | 0 | 0 | 0 | 162455 | 0 | 559376.3816 | 721831.3816 | 0 | 0 | 300000 | 0 | 300000 | 1021831.3816 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 283485 | 0 | 283485 | 283485 Autres | 1637459.8200899998 | 127905.18099999998 | 312591.52171001 | 391599 | 1629786.8636600003 | 1721738.6944314511 | 5821081.080891461 | 139067.02887999994 | 139067.02887999994 | 708397 | 285621 | 994018 | 6954166.109771461 1637459.8200899998 | 127905.18099999998 | 312591.52171001 | 554054 | 1629786.8636600003 | 2281115.076031451 | 6542912.462491461 | 139067.02887999994 | 139067.02887999994 | 1291882 | 285621 | 1577503 | 8259482.491371461 Obligations à terme Banques locales | 3000 | 212499.99997 | 872923.95839 | 0 | 400000 | 0 | 1488423.95836 | 1025000.00003 | 1025000.00003 | 0 | 0 | 0 | 2513423.9583900003 Banque à l'étranger | 0 | 0 | 0 | 0 | 2012333.2081900002 | 0 | 2012333.2081900002 | 0 | 0 | 0 | 0 | 0 | 2012333.2081900002 Autres | 3645405.30703 | 4222.53031 | 23053.268000739998 | 142215 | 439144.5207899999 | 803623.5608949899 | 5057664.18702573 | 72215.68442 | 72215.68442 | 107634 | 55880 | 163514 | 5293393.871445729 3648405.30703 | 216722.53028 | 895977.22639074 | 142215 | 2851477.72898 | 803623.5608949899 | 8558421.353575729 | 1097215.68445 | 1097215.68445 | 107634 | 55880 | 163514 | 9819151.03802573 Autres passifs | 847401.917 | 1192.1094899999998 | 172143.64640374 | 442945 | 1927310.7309200002 | 612206.64172838 | 4003200.04554212 | 77808.15501 | 77808.15501 | 1884 | 68572 | 70456 | 4151464.20055212 45683398.27660001 | 3242520.41005 | 8707086.92329389 | 13230452 | 57060789.08503571 | 68103971.80038166 | 196028218.49536127 | 6943216.532950001 | 6943216.532950001 | 5546440 | 5726185 | 11272625 | 214244060.02831128 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 448115.5 | 270000 | 1325000 | 3236406.25 | 6944521.75 | 150000 | 150000 | 103837 | 94373 | 198210 | 7292731.75 Réserves | 275455.24588 | 29974.514 | 12538.57995 | 233271 | 1530866.7004300002 | 442597.63257 | 2524703.67283 | 238317.56044000003 | 238317.56044000003 | 67474 | 47186 | 114660 | 2877681.23327 Réserves (Prov. Pour pertes sur prêts) | 120283.42955 | 0 | 48132.618169999994 | 0 | 0 | 0 | 168416.04772 | 0 | 0 | 0 | 26785 | 26785 | 195201.04772 Surplus d'apport | 0 | 14325 | 109435.61382 | 1384 | 98479.45517 | 0 | 223624.06899 | 0 | 0 | 0 | 0 | 0 | 223624.06899 BNR | 1848135.08687 | -153404.36513 | -68463.56498000001 | 844735 | 1708597.7882300005 | 3408910.30341 | 7588510.248400001 | 218909.50119 | 218909.50119 | 306941 | 142458 | 449399 | 8256818.749590001 3743873.7623 | 55895.148870000005 | 549758.7469599999 | 1349390 | 4662943.94383 | 7087914.18598 | 17449775.78794 | 607227.06163 | 607227.06163 | 478252 | 310802 | 789054 | 18846056.849570002 49427272.03890001 | 3298415.55892 | 9256845.67025389 | 14579842 | 61723733.02886571 | 75191885.98636165 | 213477994.28330123 | 7550443.594580001 | 7550443.594580001 | 6024692 | 6036987 | 12061679 | 233090116.87788126 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 169562.43190999998 | 382.25338159200004 | 169944.68529159197 | 0 | 0 | 0 | 0 | 0 | 169944.68529159197 Crédit documentaire | 170091 | 0 | 0 | 0 | 926658.6503399999 | 833375.77204767 | 1930125.4223876698 | 0 | 0 | 0 | 86574 | 86574 | 2016699.4223876698 Autres | 2027935.21963 | 225929.71728149 | 85438.14504355 | 287957 | 4473024.64881 | 1536729.1420177398 | 8637013.87278278 | 834976.4868 | 834976.4868 | 5629937 | 1028834 | 6658771 | 16130761.35958278 Portefeuille brut | 10473727.583999999 | 1334225.55741 | 4296730.06246781 | 5847336 | 20288915.35576 | 23530497.139080003 | 65771431.69871781 | 3897485.138126 | 3897485.138126 | 1074653 | 2230458 | 3305111 | 72974027.8368438 Provisions pour créances douteuses | 421672.58704 | 489309.10629 | 78974.55281819 | 52840 | 958542.73185 | 248513.12244 | 2249852.10043819 | 86579.19992 | 86579.19992 | 0 | 98392 | 98392 | 2434823.30035819 Portefeuille de crédit improductif | 890287.4809999999 | 581163.9113999 | 155370.36990241415 | 96200 | 1161317 | 173831.43962999998 | 3058170.201932314 | 357094.58626 | 357094.58626 | 0 | 112681 | 112681 | 3527945.788192314 Dépôts US convertis DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 29441474.251906708 | BNC | 5165000 | UNIBK | 23281984.016640004 | UNIBK | 7087914.18598 SOGEBK | 23594457.71072 | CBNA | 748753 | SOGEBK | 19330372.623910002 | SOGEBK | 4662943.94383 BNC | 21373560.909 | BPH | 125000 | BNC | 10052054.99696 | BNC | 3743873.7623 CAPITALBK | 6877155 | SOGEBK | 125000 | CAPITALBK | 5794496 | CAPITALBK | 1349390 BUH | 4099085.47654618 | CAPITALBK | 49089 | BUH | 4217755.509649619 | SOGEBL | 607227.06163 CBNA | 3832566 | UNIBK | 0 | SOGEBL | 3810905.938206 | BUH | 549758.7469599999 SCOTIA | 3793572 | BUH | 0 | SCOTIA | 2132066 | CBNA | 478252 SOGEBL | 2979377.80342 | SCOTIA | 0 | CBNA | 1074653 | SCOTIA | 310802 BPH | 1732340.0126799997 | SOGEBL | 0 | BPH | 844916.4511199999 | BPH | 55895.148870000005 0 [bilsysbansept 15 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2015 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 7952117.992000001 | 127431.27407000001 | 355553.914193735 | 352305 | 3389370.9282599995 | 834111.0827929401 | 13010890.191316674 | 28496.54788 | 28496.54788 | 67998 | 76615 | 144613 | 13183999.739196673 Avoirs à la BRH | 10765059.347 | 1369430.10922 | 2619513.238453263 | 5417684 | 16900237.21162 | 26527388.45794177 | 63599312.36423503 | 909576.27242 | 909576.27242 | 3357156 | 2223897 | 5581053 | 70089941.63665503 Avoirs à l'étranger | 1435466.988 | 97349.90988 | 168645.120581392 | 997013 | 1185447.68898 | 1699391.954261335 | 5583314.661702727 | 5230.82406 | 5230.82406 | 427751 | 974762 | 1402513 | 6991058.4857627265 Avoirs dans les banques locales | 0 | 0 | 297438.490973772 | 20552 | 5966.142959999999 | 348.14866742446173 | 324304.7826011965 | 1825819.8305000002 | 1825819.8305000002 | 0 | 0 | 0 | 2150124.6131011965 Autres liquidités | 239642.97099999996 | 28935.770800000002 | 0 | 120073 | 76952.60724 | 494562.205457746 | 960166.5544977459 | 38403.54537 | 38403.54537 | 119223 | 119013 | 238236 | 1236806.0998677458 20392287.298 | 1623147.06397 | 3441150.764202162 | 6907627 | 21557974.57906 | 29555801.84912122 | 83477988.55435337 | 2807527.0202300004 | 2807527.0202300004 | 3972128 | 3394287 | 7366415 | 93651930.57458338 Bons B.R.H. | 4275000 | 50000 | 0 | 143934 | 0 | 0 | 4468934 | 0 | 0 | 499030 | 0 | 499030 | 4967964 Bons du Trésor / M.E.F. | 1400000 | 254127.68927 | 0 | 0 | 0 | 771926.30804 | 2426053.99731 | 0 | 0 | 0 | 0 | 0 | 2426053.99731 Autres Placements | 8104448.229949998 | 29993.477909999987 | 475462.136074929 | 1054219 | 12491969.383559998 | 17994472.749813396 | 40150564.97730832 | 277221.85021999996 | 277221.85021999996 | 0 | 0 | 0 | 40427786.82752832 Portefeuille net | 9850703.679959998 | 798307.36191 | 3566985.559527102 | 5470779 | 19011273.859330002 | 22076403.935999997 | 60774453.3967271 | 3570198.99721 | 3570198.99721 | 1244388 | 2084729 | 3329117 | 67673769.39393711 Immobilisations | 1610210.07003 | 302467.35643 | 358576.95806 | 310875 | 2282537.5573699996 | 1574784.3678500003 | 6439451.3097399995 | 214011.79917 | 214011.79917 | 355507 | 74605 | 430112 | 7083575.10891 Autres actifs | 1795044.31328 | 19293.98391 | 135112.25420355002 | 265588 | 2987862.60975 | 1212205.121048659 | 6415106.282192209 | 155769.97775 | 155769.97775 | 46228 | 31518 | 77746 | 6648622.259942208 47427693.59121999 | 3077336.9334 | 7977287.672067743 | 14153022 | 58331617.989070006 | 73185594.33187327 | 204152552.517631 | 7024729.644580001 | 7024729.644580001 | 6117281 | 5585139 | 11702420 | 222879702.162211 PASSIF Dépôts À vue | 21081593.560720004 | 1432596.05198 | 2084582.4431897579 | 5866181 | 15144004.858960003 | 23742338.573713988 | 69351296.48856375 | 1298405.05811 | 1298405.05811 | 3518653 | 2884313 | 6402966 | 77052667.54667374 Épargne | 11101416.02767 | 312197.0894 | 2028725.641985286 | 2813171 | 20216717.961209998 | 22331875.74077162 | 58804103.461036906 | 508397.9813500001 | 508397.9813500001 | 337487 | 1698384 | 2035871 | 61348372.4423869 À terme | 5124294.40996 | 918971.3467 | 2300980.683133146 | 3316989 | 11869398.08541298 | 13138787.514069289 | 36669421.039275415 | 3402711.17952 | 3402711.17952 | 740916 | 314050 | 1054966 | 41127098.21879542 37307303.99835 | 2663764.48808 | 6414288.76830819 | 11996341 | 47230120.90558298 | 59213001.8285549 | 164824820.98887607 | 5209514.218979999 | 5209514.218979999 | 4597056 | 4896747 | 9493803 | 179528138.20785606 Obligations à vue Banques locales | 0 | 0 | 0 | 166681 | 0 | 4559376.3816 | 4726057.3816 | 0 | 0 | 300000 | 0 | 300000 | 5026057.3816 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1623276.31712 | 112764.6811 | 319633.591226602 | 333441 | 2163040.33072 | 2137934.7455001334 | 6690090.665666736 | 114489.00857000002 | 114489.00857000002 | 619431 | 271297 | 890728 | 7695307.674236735 1623276.31712 | 112764.6811 | 319633.591226602 | 500122 | 2163040.33072 | 6697311.127100133 | 11416148.047266737 | 114489.00857000002 | 114489.00857000002 | 919431 | 271297 | 1190728 | 12721365.055836735 Obligations à terme Banques locales | 3000 | 224999.99998 | 535625.0000400001 | 0 | 400000 | 0 | 1163625.0000200002 | 1035000.00002 | 1035000.00002 | 0 | 0 | 0 | 2198625.0000400003 Banque à l'étranger | 0 | 0 | 0 | 0 | 1499467.12457 | 0 | 1499467.12457 | 0 | 0 | 0 | 0 | 0 | 1499467.12457 Autres | 4152351.33586 | 7022.91123 | 8963.628050481 | 111781 | 1065342.96587 | 568681.0344341879 | 5914142.875444669 | 73694.31268 | 73694.31268 | 96305 | 47977 | 144282 | 6132119.18812467 4155351.33586 | 232022.91121 | 544588.628090481 | 111781 | 2964810.09044 | 568681.0344341879 | 8577235.00003467 | 1108694.3127000001 | 1108694.3127000001 | 96305 | 47977 | 144282 | 9830211.312734671 Autres passifs | 874193.552 | 755.47252 | 193327.356541699 | 283582 | 1771685.4732499998 | 318025.970346732 | 3441569.824658431 | 71068.75976 | 71068.75976 | 38526 | 77364 | 115890 | 3628528.584418431 43960125.20333 | 3009307.55291 | 7471838.344166972 | 12891826 | 54129656.79999298 | 66797019.96043595 | 188259773.8608359 | 6503766.300009999 | 6503766.300009999 | 5651318 | 5293385 | 10944703 | 205708243.1608459 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 165000 | 448115.5 | 270000 | 1325000 | 3240025 | 6948140.5 | 150000 | 150000 | 103837 | 94373 | 198210 | 7296350.5 Réserves | 275455.24588 | 29974.514 | 12538.57995 | 229425 | 1233809.5995800002 | 442597.63257 | 2223800.57198 | 166509.38644 | 166509.38644 | 67474 | 47186 | 114660 | 2504969.95842 Réserves (Prov. Pour pertes sur prêts) | 120283.42955 | 0 | 42286.96176 | 0 | 0 | 0 | 162570.39131 | 0 | 0 | 0 | 25883 | 25883 | 188453.39131 Surplus d'apport | 0 | 14325 | 109436.42476000001 | 1384 | 98479.45517 | 0 | 223624.87993 | 0 | 0 | 0 | 0 | 0 | 223624.87993 BNR | 1571829.7076484761 | -141270.13350999999 | -106928.13856481595 | 760387 | 1544672.1343300017 | 2705951.74007 | 6334642.309973661 | 204453.95873 | 204453.95873 | 294652 | 124312 | 418964 | 6958060.268703661 3467568.3830784764 | 68029.38049000001 | 505449.327905184 | 1261196 | 4201961.189080002 | 6388574.37264 | 15892778.65319366 | 520963.34517000004 | 520963.34517000004 | 465963 | 291754 | 757717 | 17171458.998363663 47427693.58640848 | 3077336.9334 | 7977287.672072155 | 14153022 | 58331617.98907298 | 73185594.33307596 | 204152552.51402956 | 7024729.645179999 | 7024729.645179999 | 6117281 | 5585139 | 11702420 | 222879702.15920955 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 95248.02574 | 396.574658807 | 95644.600398807 | 0 | 0 | 0 | 0 | 0 | 95644.600398807 Crédit documentaire | 156425.1 | 0 | 0 | 0 | 759304.23378 | 722420.073899134 | 1638149.407679134 | 0 | 0 | 12508 | 100930 | 113438 | 1751587.407679134 Autres | 1792106.23 | 247743.760851782 | 82391.01428815501 | 140675 | 4256952.936050001 | 535586.8676826339 | 7055455.808872571 | 629790.19576 | 629790.19576 | 5595768 | 1150985 | 6746753 | 14431999.004632572 Portefeuille brut | 10252880.204999998 | 1278816.99126 | 3641461.521984016 | 5516720 | 19860183.947 | 22274299.172179997 | 62824361.83742401 | 3657584.66207 | 3657584.66207 | 1244388 | 2169366 | 3413754 | 69895700.49949402 Provisions pour créances douteuses | 402176.52504 | 480509.62935 | 74475.96245691399 | 45941 | 848910.08767 | 197895.23618 | 2049908.4406969142 | 87385.66485999999 | 87385.66485999999 | 0 | 84637 | 84637 | 2221931.105556914 Portefeuille de crédit improductif | 711926.61692 | 508259.871690021 | 56206.730663372 | 34676 | 963255 | 100458.96287999999 | 2374783.182153393 | 246796.05615 | 246796.05615 | 0 | 123337 | 123337 | 2744916.238303393 Dépôts US convertis | 16104773.00144 | 1585321.44532 | 3549810.6224181904 | 8121105 | 29179567.42092298 | 38833871.340604894 | 97374448.83070606 | 3980076.0444 | 3980076.0444 | 2676250 | 2399060 | 5075310 | 106429834.87510607 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. UNIBK | 29555801.84912122 | BNC | 4275000 | UNIBK | 22076403.935999997 | UNIBK | 6388574.37264 SOGEBK | 21557974.57906 | CBNA | 499030 | SOGEBK | 19011273.859330002 | SOGEBK | 4201961.189080002 BNC | 20392287.298 | CAPITALBK | 143934 | BNC | 9850703.679959998 | BNC | 3467568.3830784764 CAPITALBK | 6907627 | BPH | 50000 | CAPITALBK | 5470779 | CAPITALBK | 1261196 CBNA | 3972128 | SOGEBK | 0 | SOGEBL | 3570198.99721 | SOGEBL | 520963.34517000004 BUH | 3441150.764202162 | UNIBK | 0 | BUH | 3566985.559527102 | BUH | 505449.327905184 SCOTIA | 3394287 | BUH | 0 | SCOTIA | 2084729 | CBNA | 465963 SOGEBL | 2807527.0202300004 | SCOTIA | 0 | CBNA | 1244388 | SCOTIA | 291754 BPH | 1623147.06397 | SOGEBL | 0 | BPH | 798307.36191 | BPH | 68029.38049000001 0 [bilsysbansept. 12 ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2012 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 1370114.043 | 96412.01367 | 209436.958434238 | 218417 | 2498599.17418 | 529917.705687048 | 4922896.894971286 | 15353.20853 | 15353.20853 | 42194 | 81129 | 123323 | 5061573.103501286 Avoirs à la BRH | 18834806.552 | 766794.2219 | 1113552.778932362 | 2755816 | 10043893.1533 | 16212771.642809624 | 49727634.34894199 | 312908.24065000005 | 312908.24065000005 | 2536514 | 1637353 | 4173867 | 54214409.58959199 Avoirs à l'étranger | 1198118.509 | 56353.20409 | 158639.735013642 | 687504 | 972058.23866 | 3641525.8499604375 | 6714199.536724079 | 1050.91609 | 1050.91609 | 395584 | 1020107 | 1415691 | 8130941.45281408 Avoirs dans les banques locales | 0 | 0 | 76348.91644467601 | 15305 | 2406.21458 | 59111.892658244265 | 153172.02368292026 | 1596205.0412599999 | 1596205.0412599999 | 0 | 0 | 0 | 1749377.06494292 Autres liquidités | 264043.619 | 28482.354420000003 | 34882.693079198 | 268085 | 407643.55497999996 | 782101.1513286759 | 1785238.3728078739 | 36795.10037 | 36795.10037 | 245856 | 59929 | 305785 | 2127818.473177874 21667082.723 | 948041.79408 | 1592861.0819041163 | 3945127 | 13924600.3357 | 21225428.24244403 | 63303141.17712815 | 1962312.5069 | 1962312.5069 | 3220148 | 2798518 | 6018666 | 71284119.68402815 Bons B.R.H. | 3397881 | 0 | 0 | 80000 | 599999.605 | 1791680.1 | 5869560.705 | 0 | 0 | 399899 | 0 | 399899 | 6269459.705 Autres Placements | 7262705.038590001 | 24297.35108 | 24215.426527732005 | 652046 | 11469064.330850001 | 10857402.07829904 | 30289730.225346774 | 28992.930800000002 | 28992.930800000002 | 0 | 0 | 0 | 30318723.156146772 Portefeuille net | 6347999.1491 | 871518.50167 | 1384144.9737510919 | 4108729 | 16211855.77159 | 17174851.66467 | 46099099.06078109 | 2089734.9150224 | 2089734.9150224 | 1584777 | 2086555 | 3671332 | 51860165.975803494 Immobilisations | 1109657.26255 | 129549.13488 | 213238.20509 | 296962 | 1420379.1239800001 | 1322498.0337099999 | 4492283.76021 | 154237.68187000003 | 154237.68187000003 | 247807 | 54511 | 302318 | 4948839.44208 Autres actifs | 1820978.734 | 127775.67998000002 | 60051.489842443996 | 344886 | 2230529.631 | 1081183.8865861301 | 5665405.421408573 | 75513.69421 | 75513.69421 | 123299 | 10179 | 133478 | 5874397.1156185735 41606303.90724 | 2101182.4616900003 | 3274511.1771153845 | 9427750 | 45856428.79812 | 53453044.0057092 | 155719220.3498746 | 4310791.728802401 | 4310791.728802401 | 5575930 | 4949763 | 10525693 | 170555705.078677 PASSIF Dépôts À vue | 25592452.41 | 742741.99014 | 902954.3588698499 | 3966588 | 15369480.80241 | 23902240.379860204 | 70476457.94128005 | 840457.01093 | 840457.01093 | 3135559 | 2216716 | 5352275 | 76669189.95221005 Épargne | 7973275.461000001 | 482950.52103 | 1709736.717832484 | 2387708 | 17580604.56353 | 18102263.584215958 | 48236538.84760845 | 429145.14979000005 | 429145.14979000005 | 429570 | 1290146 | 1719716 | 50385399.99739844 À terme | 3051012.0819800003 | 606813.83676 | 615245.1466297801 | 1560473 | 5649320.537453178 | 4465893.249784335 | 15948757.852607295 | 2002074.14769 | 2002074.14769 | 1171474 | 661199 | 1832673 | 19783505.000297293 36616739.95298 | 1832506.3479300002 | 3227936.223332114 | 7914769 | 38599405.90339318 | 46470397.2138605 | 134661754.6414958 | 3271676.30841 | 3271676.30841 | 4736603 | 4168061 | 8904664 | 146838094.9499058 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 200000 | 0 | 200000 | 200000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1216512.3 | 108975.199220276 | 122885.84126214201 | 268674 | 1956972.72036 | 661118.1145989479 | 4335138.175441366 | 102852.65009 | 102852.65009 | 231908 | 160285 | 392193 | 4830183.825531365 1216512.3 | 108975.199220276 | 122885.84126214201 | 268674 | 1956972.72036 | 661118.1145989479 | 4335138.175441366 | 102852.65009 | 102852.65009 | 431908 | 160285 | 592193 | 5030183.825531365 Obligations à terme Banques locales | 3000 | 28530 | 0 | 0 | 0 | 650000 | 681530 | 500000 | 500000 | 0 | 0 | 0 | 1181530 Banque à l'étranger | 0 | 0 | 0 | 0 | 634833 | 0 | 634833 | 0 | 0 | 0 | 0 | 0 | 634833 Autres | 1302768.9079999998 | 124234.22892 | 7564.83929765 | 255237 | 275111.09762 | 846520.293628382 | 2811436.3674660316 | 10784.995340000023 | 10784.995340000023 | 80230 | 53924 | 134154 | 2956375.3628060315 1305768.9079999998 | 152764.22892 | 7564.83929765 | 255237 | 909944.09762 | 1496520.293628382 | 4127799.3674660316 | 510784.99534 | 510784.99534 | 80230 | 53924 | 134154 | 4772738.3628060315 Autres passifs | 275889.672 | 0 | 143634.70773921005 | 241876 | 1399117.24767 | 473583.12652092794 | 2534100.753930138 | 5585.566539999999 | 5585.566539999999 | 94203 | 363592 | 457795 | 2997481.320470138 39414910.83297999 | 2094245.776070276 | 3502021.6116311164 | 8680556 | 42865439.96904319 | 49101618.748608746 | 145658792.9383333 | 3890899.52038 | 3890899.52038 | 5342944 | 4745862 | 10088806 | 159638498.4587133 AVOIR DES ACTIONNAIRES Capital versé | 500000 | 5000 | 150202.375 | 270000 | 750000 | 2093492 | 3768694.375 | 150000 | 150000 | 103837 | 94373 | 198210 | 4116904.375 Réserves | 186951.353 | 46655 | 24498.97294 | 147921 | 1179291.5603800002 | 105578.7695 | 1690896.65582 | 130984.99542 | 130984.99542 | 79683 | 71875 | 151558 | 1973439.65124 Surplus d'apport | 0 | 14325 | 105320.72348 | 1387 | 98479.45517 | 0 | 219512.17865000002 | 0 | 0 | 0 | 0 | 0 | 219512.17865000002 BNR | 1504441.724 | -59043.31439 | -507532.50594 | 327886 | 963217.813250001 | 2152354.49075 | 4381324.207670001 | 138907.21292000002 | 138907.21292000002 | 49466 | 37653 | 87119 | 4607350.420590001 2191393.077 | 6936.68561 | -227510.43452 | 747194 | 2990988.828800001 | 4351425.26025 | 10060427.417140001 | 419892.20834 | 419892.20834 | 232986 | 203901 | 436887 | 10917206.625480002 41606303.90997999 | 2101182.461680276 | 3274511.1771111162 | 9427750 | 45856428.79784319 | 53453044.00885875 | 155719220.35547334 | 4310791.72872 | 4310791.72872 | 5575930 | 4949763 | 10525693 | 170555705.08419332 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 86017.31283 | 2136.50718429 | 88153.82001429 | 0 | 0 | 0 | 0 | 0 | 88153.82001429 Crédit documentaire | 86889.277 | 0 | 0 | 0 | 779585.4834400001 | 596824.937580654 | 1463299.6980206543 | 0 | 0 | 66592 | 3048 | 69640 | 1532939.6980206543 Autres | 46330.311 | 174516.155339206 | 150 | 162745 | 1980524.7513399995 | 362692.71921780996 | 2726958.936897015 | 1078134.40245 | 1078134.40245 | 2729812 | 293648 | 3023460 | 6828553.339347015 Portefeuille brut | 6541273.8451 | 1199872.87192 | 1433465.548540514 | 4137722 | 16518676.833 | 17231662.81123 | 47062673.909790516 | 2163512.5342324 | 2163512.5342324 | 1617316 | 2258806 | 3876122 | 53102308.444022916 Provisions pour créances douteuses | 193274.696 | 328354.37025 | 49320.574789422 | 28993 | 306821.06140999997 | 56811.14656 | 963574.849009422 | 73777.61921 | 73777.61921 | 32539 | 172250.6 | 204789.6 | 1242142.0682194221 Portefeuille de crédit improductif | 147203.39899999998 | 367554.87442 | 38277 | 24943 | 248992.777 | 44520.28062 | 871491.33104 | 125622.022461 | 125622.022461 | 0 | 287980 | 287980 | 1285093.353501 Dépôts US convertis | 15609345 | 674886.15438 | 1412576.78263281 | 3573548 | 21304801.07 | 22793481.997474585 | 65368639.004487395 | 2317515.34401 | 2317515.34401 | 2910589 | 1358864 | 4269453 | 71955607.34849739 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. BNC | 21667082.723 | SOGEBK | 599999.605 | SOGEBK | 16211855.77159 | UNIBK | 4351425.26025 SOGEBK | 13924600.3357 | BNC | 3397881 | UNIBK | 17174851.66467 | SOGEBK | 2990988.828800001 UNIBK | 21225428.24244403 | UNIBK | 1791680.1 | BNC | 6347999.1491 | BNC | 2191393.077 CAPITALBK | 3945127 | BUH | 0 | CAPITALBK | 4108729 | CAPITALBK | 747194 CBNA | 3220148 | CAPITALBK | 80000 | SCOTIA | 2086555 | SOGEBL | 419892.20834 SCOTIA | 2798518 | CBNA | 399899 | SOGEBL | 2089734.9150224 | CBNA | 232986 SOGEBL | 1962312.5069 | BPH | 0 | CBNA | 1584777 | SCOTIA | 203901 BUH | 1592861.0819041163 | SCOTIA | 0 | BUH | 1384144.9737510919 | BPH | 6936.68561 BPH | 948041.79408 | SOGEBL | 0 | BPH | 871518.50167 | BUH | -227510.43452 [bilsysbansept. 11] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ BILAN PAR BANQUE (DEVISES ET GOURDES) AU 30 SEPTEMBRE 2011 (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME ACTIF Disponibilités Encaisse | 1488174.722 | 91515.90851 | 201180.01104191 | 186348 | 1766417.2985599998 | 490047.19718948804 | 4223683.137301398 | 36858.32558 | 36858.32558 | 38710 | 42212 | 80922 | 4341463.462881398 Avoirs à la BRH | 17886141.397 | 539315.11344 | 1519274.681042774 | 2367954 | 10646690.897349998 | 14203488.27244992 | 47162864.36128269 | 302769.37097000005 | 302769.37097000005 | 1922661 | 1361981 | 3284642 | 50750275.732252695 Avoirs à l'étranger | 2197690.962 | 84189.00872 | 149426.77713698402 | 790654 | 1676646.894 | 4840002.0959622385 | 9738609.73781922 | -190.6524 | -190.6524 | 717111 | 1099940 | 1817051 | 11555470.08541922 Avoirs dans les banques locales | 0 | 0 | 55838.142408726 | 25071 | 10406.72236 | 82052.4741297409 | 173368.3388984669 | 1606176.10165 | 1606176.10165 | 0 | 0 | 0 | 1779544.440548467 Autres liquidités | 217176.18000000002 | 81184.02363000001 | 15745.951939594 | 200245 | 381007.48737000005 | 422217.551286412 | 1317576.194226006 | 48984.62468 | 48984.62468 | 125904 | 42646 | 168550 | 1535110.818906006 21789183.261 | 796204.0543 | 1941465.5635699881 | 3570272 | 14481169.299639996 | 20037807.591017798 | 62616101.769527785 | 1994597.77048 | 1994597.77048 | 2804386 | 2546779 | 5351165 | 69961864.5400078 Bons B.R.H. | 3847999.5 | 170000 | 0 | 0 | 1425000 | 350000 | 5792999.5 | 0 | 0 | 384920 | 150000 | 534920 | 6327919.5 Autres Placements | 4132127.5435800003 | 23438.94866 | 23328.127456934002 | 685989 | 12500865.426439999 | 12245083.451345455 | 29610832.49748239 | 55725.620800000004 | 55725.620800000004 | 0 | 0 | 0 | 29666558.11828239 Portefeuille net | 3751142.6182700004 | 425797.31739 | 1123957.013653338 | 3304691 | 11647178.84734 | 13143530.35426 | 33396297.150913335 | 1717204.336383 | 1717204.336383 | 1759910 | 1823893 | 3583803 | 38697304.487296335 Immobilisations | 937521.8705500001 | 120710.61300000001 | 236518.38985999997 | 245121 | 1318390.42879 | 1214194.38468 | 4072456.68688 | 177948.04894 | 177948.04894 | 66814 | 48614 | 115428 | 4365832.73582 Autres actifs | 1731794.589 | 18550.0453771 | 66661.62404671001 | 266917 | 1638728.64137 | 1053823.940380842 | 4776475.840174653 | 70314.15616 | 70314.15616 | 114197 | 14838 | 129035 | 4975824.996334652 36189769.3824 | 1554700.9787271 | 3391930.71858697 | 8072990 | 43011332.64358 | 48044439.7216841 | 140265163.44497815 | 4015789.932763 | 4015789.932763 | 5130227 | 4584124 | 9714351 | 153995304.37774116 PASSIF Dépôts À vue | 21232008.13 | 554030.43226 | 937957.143328938 | 3502122 | 15232045.606699996 | 21378208.948365685 | 62836372.26065461 | 725355.0565 | 725355.0565 | 2986574 | 1913087 | 4899661 | 68461388.31715462 Épargne | 7535982.67 | 465547.87168 | 1671035.8748480282 | 2163229 | 17058001.856620006 | 17209814.976216234 | 46103612.24936427 | 408520.66936000006 | 408520.66936000006 | 340790 | 1143934 | 1484724 | 47996856.91872427 À terme | 3013854.00479 | 426649.08075 | 697635.3500488321 | 1256483 | 6078294.673244312 | 4175306.0473045562 | 15648222.156137701 | 1924144.6655100002 | 1924144.6655100002 | 809265 | 709119 | 1518384 | 19090750.8216477 31781844.804789998 | 1446227.38469 | 3306628.3682257985 | 6921834 | 38368342.136564314 | 42763329.97188647 | 124588206.66615659 | 3058020.3913700003 | 3058020.3913700003 | 4136629 | 3766140 | 7902769 | 135548996.0575266 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 320000 | 0 | 320000 | 320000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1105932.159 | 85629.8444551 | 110687.06894135599 | 228641 | 1112211.23944 | 626919.9696353759 | 3270021.2814718317 | 144235.87298 | 144235.87298 | 355904 | 227942 | 583846 | 3998103.1544518317 1105932.159 | 85629.8444551 | 110687.06894135599 | 228641 | 1112211.23944 | 626919.9696353759 | 3270021.2814718317 | 144235.87298 | 144235.87298 | 675904 | 227942 | 903846 | 4318103.154451832 Obligations à terme Banques locales | 3000 | 0 | 0 | 0 | 0 | 0 | 3000 | 400000 | 400000 | 0 | 0 | 0 | 403000 Banque à l'étranger | 0 | 0 | 0 | 0 | -0.04578 | 0 | -0.04578 | 0 | 0 | 0 | 0 | 0 | -0.04578 Autres | 1154173.809 | 18750.605170000003 | 7814.75193767 | 37442 | 262627.21996 | 346949.643754244 | 1827758.029821914 | 3877.4264000000003 | 3877.4264000000003 | 79502 | 28117 | 107619 | 1939254.456221914 1157173.809 | 18750.605170000003 | 7814.75193767 | 37442 | 262627.17418000003 | 346949.643754244 | 1830757.9840419139 | 403877.4264 | 403877.4264 | 79502 | 28117 | 107619 | 2342254.410441914 Autres passifs | 278632.205 | 207.92538 | 149604.899336698 | 256606 | 670192.78408 | 553442.697620232 | 1908686.5114169302 | 3256.79684 | 3256.79684 | 23191 | 346382 | 369573 | 2281516.30825693 34323582.97779 | 1550815.7596951 | 3574735.088441523 | 7444523 | 40413373.334264316 | 44290642.282896325 | 131597672.44308726 | 3609390.48759 | 3609390.48759 | 4915226 | 4368581 | 9283807 | 144490869.93067726 AVOIR DES ACTIONNAIRES Capital versé | 500000 | 5000 | 150202.375 | 270000 | 750000 | 2000000 | 3675202.375 | 150000 | 150000 | 103837 | 94372 | 198209 | 4023411.375 Réserves | 175715.154 | 53964 | 26065.105 | 117270 | 1003392.86263 | 65043.87904 | 1441451.00067 | 129575.44542 | 129575.44542 | 70546 | 67566 | 138112 | 1709138.44609 Surplus d'apport | 0 | 14325 | 105320.72348 | 1387 | 98479.45517 | 0 | 219512.17865000002 | 0 | 0 | 0 | 0 | 0 | 219512.17865000002 BNR | 1190471.26348 | -69403.78114 | -464392.59516 | 239810 | 746086.9915200004 | 1688753.5638000001 | 3331325.4425000004 | 126823.99971999999 | 126823.99971999999 | 40618 | 53605 | 94223 | 3552372.4422200006 1866186.4174799998 | 3885.2188599999936 | -182804.39168 | 628467 | 2597959.30932 | 3753797.44284 | 8667490.996820001 | 406399.44513999997 | 406399.44513999997 | 215001 | 215543 | 430544 | 9504434.44196 36189769.39527 | 1554700.9785550998 | 3391930.696761523 | 8072990 | 43011332.64358432 | 48044439.72573633 | 140265163.43990725 | 4015789.93273 | 4015789.93273 | 5130227 | 4584124 | 9714351 | 153995304.37263727 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 219678.57768 | 145.10341 | 219823.68109 | 0 | 0 | 0 | 0 | 0 | 219823.68109 Crédit documentaire | 52598.229 | 0 | 0 | 0 | 661696.7755499999 | 694553.3393294401 | 1408848.34387944 | 0 | 0 | 28682 | 4817 | 33499 | 1442347.34387944 Autres | 47029.754 | 18741373.979716074 | 0 | 55341 | 2030626.4121399997 | 475139.26518574194 | 21349510.41104182 | 406029.01094 | 406029.01094 | 1397646 | 205630 | 1603276 | 23358815.42198182 0 Portefeuille brut | 4143937.3332700003 | 688058.56169 | 1209091.197351708 | 3342503 | 11928394.60496 | 13196317.68852 | 34508302.385791704 | 1796790.877043 | 1796790.877043 | 1799066 | 1971431 | 3770497 | 40075590.262834705 Provisions pour créances douteuses | 392794.71499999997 | 262261.2443 | 85134.18369837 | 37812 | 281215.75762 | 52787.33426 | 1112005.2348783698 | 79586.54066 | 79586.54066 | 39156 | 147538 | 186694 | 1378285.7755383698 Portefeuille de crédit improductif | 392796.287 | 315640.42819 | 85511 | 23432 | 173346 | 58416.757410000006 | 1049142.4726 | 118165.0926667 | 118165.0926667 | 0 | 313049 | 313049 | 1480356.5652667 Dépôts US convertis | 7797930 | 671682.6 | 1249080.2000000002 | 2777183 | 17897710.200000003 | 16869755.7 | 47263341.7 | 2253304 | 2253304 | 2279642 | 833814 | 3113456 | 52630101.7 DISPONIBILITÉS | BONS BRH | PORTEFEUILLE NET | AVOIR DES ACTION. SOGEBK | 14481169.299639996 | BNC | 3847999.5 | SOGEBK | 11647178.84734 | UNIBK | 3753797.44284 UNIBK | 20037807.591017798 | SOGEBK | 1425000 | UNIBK | 13143530.35426 | SOGEBK | 2597959.30932 BNC | 21789183.261 | UNIBK | 350000 | BNC | 3751142.6182700004 | BNC | 1866186.4174799998 CAPITALBK | 3570272 | CBNA | 384920 | CAPITALBK | 3304691 | CAPITALBK | 628467 CBNA | 2804386 | BPH | 170000 | SCOTIA | 1823893 | SOGEBL | 406399.44513999997 SOGEBL | 1994597.77048 | BUH | 0 | CBNA | 1759910 | CBNA | 215001 SCOTIA | 2546779 | CAPITALBK | 0 | SOGEBL | 1717204.336383 | SCOTIA | 215543 BUH | 1941465.5635699881 | SCOTIA | 150000 | BUH | 1123957.013653338 | BPH | 3885.2188599999936 BPH | 796204.0543 | SOGEBL | 0 | BPH | 425797.31739 | BUH | -182804.39168 BICH | #REF! | BICH | #REF! [RÉSULTsyst ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RÉSULTATS TRIMESTRIELS PAR BANQUE (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME TRIM 4 2019 (Juil. -Sept. 19) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 495302.80381 | 14882.627950000002 | 522361.9101 | 489425 | 1226521.93098 | 1113609.2177300001 | 3862103.49057 | 201291.34887000007 | 201291.34887000007 | 17795 | 17795 | 4081189.83944 Intérêts sur Bons B.R.H. | 34525 | 19191.61989 | 886.857140000001 | 0 | 3298 | 0 | 57901.47703 | 0 | 0 | 0 | 0 | 57901.47703 Autres | 682046.2 | 23829.56431 | 6599.340400000001 | 26313 | 116425.14466999998 | 132556.03545000002 | 987769.28483 | 5536.6426999999985 | 5536.6426999999985 | 3432 | 3432 | 996737.92753 1211874.00381 | 57903.812150000005 | 529848.10764 | 515738 | 1346245.07565 | 1246165.2531800002 | 4907774.25243 | 206827.99157000007 | 206827.99157000007 | 21227 | 21227 | 5135829.244 Dépenses d'intérêt | 225861.83999999997 | 18185.530169999998 | 125139.59576 | 147147 | 350951.02283000003 | 297270.83747 | 1164555.82623 | 69299.40870000003 | 69299.40870000003 | 655 | 655 | 1234510.23493 986012.1638099999 | 39718.28198000001 | 404708.51187999995 | 368591 | 995294.05282 | 948894.4157100002 | 3743218.4262000006 | 137528.58287000004 | 137528.58287000004 | 20572 | 20572 | 3901319.0090699997 AUTRES REVENUS Commissions | 154214 | 5422.2090800000005 | 66580.64965 | 196569 | 391870.30324000004 | 458290.38607 | 1272946.54804 | 5492.3221 | 5492.3221 | -56052 | -56052 | 1222386.87014 Gains sur change | 38223 | 4649.80127 | 32730.11256 | 45086 | 119235.07993 | 54745.16501 | 294669.15877 | 3584.1936100000003 | 3584.1936100000003 | 28791 | 28791 | 327044.35238 Autres | 42402 | 1468.3877900000002 | 42257.86266 | 147897 | 123512.40661899731 | 364954.05851 | 722491.7155789973 | 5019.4102 | 5019.4102 | 87901 | 87901 | 815412.1257789973 234839 | 11540.398140000001 | 141568.62487 | 389552 | 634617.7897889974 | 877989.60959 | 2290107.422388997 | 14095.92591 | 14095.92591 | 60640 | 60640 | 2364843.3482989976 PRODUIT NET BANCAIRE | 1220851.1638099998 | 51258.680120000005 | 546277.13675 | 758143 | 1629911.8426089974 | 1826884.0253000003 | 6033325.8485889975 | 151624.50878000003 | 151624.50878000003 | 81212 | 81212 | 6266162.357368997 Dotation à la provision pour créances douteuses | 222500 | 4478.3 | 90616.51928000001 | 42121 | 140826.91974999997 | 178201.03 | 678743.76903 | 19857.97419 | 19857.97419 | 0 | 0 | 698601.74322 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 998351.1638099998 | 46780.38012 | 455660.61746999994 | 716022 | 1489084.9228589975 | 1648682.9953000003 | 5354582.079558997 | 131766.53459000002 | 131766.53459000002 | 81212 | 81212 | 5567560.614148998 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 476372.8 | 20012.126969999998 | 128023.1036 | 167385 | 528064.99905 | 522788.97032 | 1842646.99994 | 28137.17576 | 28137.17576 | 28240 | 28240 | 1899024.1757 Frais de locaux | 29158.6 | 5409.08562 | 64362.49668 | 61226 | 48447.77592 | 64969.775349999996 | 273573.73357 | 8849.78171 | 8849.78171 | 6937 | 6937 | 289360.51528 Amortissement | 23010 | 3465.99804 | 26312.98266000001 | 24795 | 69888.46157 | 92728.89818 | 240201.34045000002 | 5245.5186699999995 | 5245.5186699999995 | 4493 | 4493 | 249939.85912 Autres dépenses d'exploitation | 283924.51 | 17197.2546 | 117315.78894999999 | 210930 | 472339.2657800001 | 604259.14298 | 1705965.96231 | 23058.129240000002 | 23058.129240000002 | 41860 | 41860 | 1770884.09155 812465.9099999999 | 46084.465229999994 | 336014.37189 | 464336 | 1118740.5023200002 | 1284746.78683 | 4062388.03627 | 65290.60537999999 | 65290.60537999999 | 81530 | 81530 | 4209208.641650001 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 185885.2538099999 | 695.9148900000073 | 119646.24557999993 | 251686 | 370344.4205389973 | 363936.2084700002 | 1292194.0432889974 | 66475.92921000003 | 66475.92921000003 | -318 | -318 | 1358351.972498997 Impôts sur le revenu | 0 | 0 | 35893.87367400002 | 22145 | -4500 | -84412.38468 | -30873.511005999986 | 3918.857760000001 | 3918.857760000001 | -99 | -99 | -27053.653245999987 BÉNÉFICE NET (PERTE NETTE) | 185885.2538099999 | 695.9148900000073 | 83752.37190599991 | 229541 | 374844.4205389973 | 448348.5931500002 | 1323067.5542949974 | 62557.07145000003 | 62557.07145000003 | -219 | -219 | 1385405.625744997 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYTÈME TRIM 4 2018 (Juil. -Sept. 18) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 407071 | 15366.015949999999 | 347794.29867 | 351366 | 774560.55959 | 789829.1375 | 2685987.0117099998 | 127705.70570999998 | 127705.70570999998 | 12812 | 12812 | 2826504.7174199997 Intérêts sur Bons B.R.H. | 324784 | 23450.00834 | 3797.7687800000003 | 6875 | 19572.642840000004 | 8365.347249999999 | 386844.76720999996 | 0 | 0 | 0 | 0 | 386844.76720999996 Autres | 140663 | 2181.78533 | 6452.498079999999 | 15591 | 96285.23971000001 | 101941.14716000001 | 363114.67028 | 12766.206400000003 | 12766.206400000003 | 8615 | 8615 | 384495.87668000004 872518 | 40997.80962 | 358044.56552999996 | 373832 | 890418.4421399999 | 900135.63191 | 3435946.4491999997 | 140471.91210999998 | 140471.91210999998 | 21427 | 21427 | 3597845.36131 Dépenses d'intérêt | 118567 | 15424.353120000002 | 95479.38884 | 83351 | 226317.31806000005 | 185502.6552 | 724641.7152200001 | 56293.330650000025 | 56293.330650000025 | 444 | 444 | 781379.0458700001 753951 | 25573.4565 | 262565.17669 | 290481 | 664101.1240799999 | 714632.97671 | 2711304.7339799996 | 84178.58145999996 | 84178.58145999996 | 20983 | 20983 | 2816466.31544 AUTRES REVENUS Commissions | 157875 | 5721.36539 | 49804.62436 | 174703 | 387011.77634 | 408812.84034 | 1183928.6064300002 | 4310.78129 | 4310.78129 | 26134 | 26134 | 1214373.3877200002 Gains sur change | 85198 | 5325.5219099999995 | 70173.86906 | 46398 | 127740.47886 | 191183.18617 | 526019.056 | 4884.22831 | 4884.22831 | 46412 | 46412 | 577315.28431 Autres | 43115 | 9522.27608 | 36953.016879999996 | 51309 | 268782.20821469545 | 272173.75614 | 681855.2573146955 | 15673.51753 | 15673.51753 | 3 | 3 | 697531.7748446955 286188 | 20569.163379999998 | 156931.5103 | 272410 | 783534.4634146955 | 872169.78265 | 2391802.9197446955 | 24868.527130000002 | 24868.527130000002 | 72549 | 72549 | 2489220.446874696 PRODUIT NET BANCAIRE | 1040139 | 46142.61988 | 419496.68698999996 | 562891 | 1447635.5874946953 | 1586802.75936 | 5103107.653724695 | 109047.10858999996 | 109047.10858999996 | 93532 | 93532 | 5305686.762314696 Dotation à la provision pour créances douteuses | 70000 | 8248.27264 | 39392.198169999996 | 14740 | 126193.16515999998 | 8384 | 266957.63596999994 | -25171.825339999996 | -25171.825339999996 | 0 | 0 | 241785.81062999996 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 970139 | 37894.34724 | 380104.48881999997 | 548151 | 1321442.4223346952 | 1578418.75936 | 4836150.017754694 | 134218.93392999994 | 134218.93392999994 | 93532 | 93532 | 5063900.951684696 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 404411 | 23165.002809999998 | 98032.15834 | 129498 | 418534.0415700001 | 374223.71073 | 1447863.9134499999 | 21452.076419999998 | 21452.076419999998 | 25009 | 25009 | 1494324.98987 Frais de locaux | 25893 | 3534.40893 | 45551.71605 | 43347 | 38100.3937 | 48135.19537 | 204561.71405 | 9854.58336 | 9854.58336 | 5769 | 5769 | 220185.29741 Amortissement | 29177 | 1966.15273 | 17600.010909999997 | 21375 | 63375.295909999986 | 92359.98084 | 225853.44038999997 | 1632.2698599999999 | 1632.2698599999999 | 4995 | 4995 | 232480.71024999997 Autres dépenses d'exploitation | 186469 | 7406.68239 | 77870.97344999999 | 182818 | 429780.62982000003 | 486010.17916000006 | 1370355.46482 | 9184.320489999998 | 9184.320489999998 | 36265 | 36265 | 1415804.7853100002 645950 | 36072.24686 | 239054.85875 | 377038 | 949790.3610000001 | 1000729.0661 | 3248634.53271 | 42123.25012999999 | 42123.25012999999 | 72038 | 72038 | 3362795.78284 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 324189 | 1822.1003800000035 | 141049.63006999996 | 171113 | 371652.0613346951 | 577689.69326 | 1587515.4850446945 | 92095.68379999994 | 92095.68379999994 | 21494 | 21494 | 1701105.1688446957 Impôts sur le revenu | 0 | 0 | 42314.88902099999 | 34212 | 42300 | -134923.313 | -16096.423979000014 | 24865.83463 | 24865.83463 | 6677 | 6677 | 15446.410650999987 BÉNÉFICE NET (PERTE NETTE) | 324189 | 1822.1003800000035 | 98734.74104899997 | 136901 | 329352.0613346951 | 712613.0062599999 | 1603611.9090236945 | 67229.84916999994 | 67229.84916999994 | 14817 | 14817 | 1685658.7581936957 Commissions / salaires | 0.32372545199893865 | 0.27094616619854484 | 0.5200674548402372 | 1.1743525405502284 | 0.7420872505183698 | 0.8766259659026082 | 0.6908249643482716 | 0.1951980592099056 | 0.1951980592099056 | -1.9848441926345608 | -1.9848441926345608 | 0.6436921055464792 marge nette en % revenus d'intérêts | 0.8136259716027285 | 0.6859355283398211 | 0.7638198684574243 | 0.7146865268799274 | 0.7393111929040466 | 0.7614515115780867 | 0.762712022531723 | 0.6649418283571837 | 0.6649418283571837 | 0.9691430725020022 | 0.9691430725020022 | 0.7596278660603382 frais d'exploitation en % produit net bancaire | 0.6654913670758014 | 0.8990568060299869 | 0.6150987278894205 | 0.6124649307584453 | 0.6863809888817263 | 0.7032448524580133 | 0.6733248192156012 | 0.43060720133796815 | 0.43060720133796815 | 1.0039156774860858 | 1.0039156774860858 | 0.6717362879530209 REVENUS D'INTÉR. | revnet%revint | AUTRES REVENUS | F.D'EXPL.%PNB | frais d'expl. | bénef.net SOGEBK | 1346245.07565 | CBNA | 0.9691430725020022 | UNIBK | 877989.60959 | SOGEBL | 0.43060720133796815 | UNIBK | 1284746.78683 | UNIBK | 448348.5931500002 UNIBK | 1246165.2531800002 | BNC | 0.8136259716027285 | SOGEBK | 634617.7897889974 | CAPITALBK | 0.6124649307584453 | SOGEBK | 1118740.5023200002 | SOGEBK | 374844.4205389973 BNC | 1211874.00381 | BUH | 0.7638198684574243 | CAPITALBK | 389552 | BUH | 0.6150987278894205 | BNC | 812465.9099999999 | CAPITALBK | 229541 BUH | 529848.10764 | UNIBK | 0.7614515115780867 | BNC | 234839 | BNC | 0.6654913670758014 | CAPITALBK | 464336 | BNC | 185885.2538099999 CAPITALBK | 515738 | SOGEBK | 0.7393111929040466 | BUH | 141568.62487 | SOGEBK | 0.6863809888817263 | BUH | 336014.37189 | BUH | 83752.37190599991 SOGEBL | 206827.99157000007 | CAPITALBK | 0.7146865268799274 | CBNA | 60640 | UNIBK | 0.7032448524580133 | CBNA | 81530 | SOGEBL | 62557.07145000003 BPH | 57903.812150000005 | BPH | 0.6859355283398211 | SOGEBL | 14095.92591 | BPH | 0.8990568060299869 | SOGEBL | 65290.60537999999 | BPH | 695.9148900000073 CBNA | 21227 | SOGEBL | 0.6649418283571837 | BPH | 11540.398140000001 | CBNA | 1.0039156774860858 | BPH | 46084.465229999994 | CBNA | -219 SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 | SCOTIA | 0 [résultsyscumul ] SYSTÈME BANCAIRE SOMMAIRE FINANCIER DÉTAILLÉ RÉSULTATS CUMULATIFS PAR BANQUE (En milliers de gourdes) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME CUMUL 2019 (Octobre 18 - Septembre 19) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1681487.48381 | 59615.514650000005 | 1783778.21553 | 1718132 | 3805287.53618 | 3908425.36224 | 12956726.11241 | 559369.55639 | 559369.55639 | 58860 | 58860 | 13574955.6688 Intérêts sur Bons B.R.H. | 639139 | 73552.39746 | 22442.35714 | 5863 | 40626.89101 | 13216.07213 | 794839.71774 | 0 | 0 | 0 | 0 | 794839.71774 Autres | 1597223.2 | 47928.861990000005 | 24393.112810000002 | 89855 | 423349.61847 | 478227.08291000006 | 2660976.8761799997 | 23382.886249999996 | 23382.886249999996 | 28857 | 28857 | 2713216.7624299997 3917849.6838100003 | 181096.7741 | 1830613.68548 | 1813850 | 4269264.045659999 | 4399868.51728 | 16412542.706329998 | 582752.44264 | 582752.44264 | 87717 | 87717 | 17083012.14897 Dépenses d'intérêt | 696378.44 | 65833.382285 | 442666.0916 | 445616 | 955782.0662300001 | 1006101.24323 | 3612377.2233450003 | 246221.00743000003 | 246221.00743000003 | 2403 | 2403 | 3861001.2307750005 3221471.2438100004 | 115263.39181500001 | 1387947.59388 | 1368234 | 3313481.9794299994 | 3393767.27405 | 12800165.482984997 | 336531.43521 | 336531.43521 | 85314 | 85314 | 13222010.918195 AUTRES REVENUS Commissions | 624605 | 23570.62198 | 251808.01506000003 | 743124 | 1426760.2287100002 | 1504460.79029 | 4574328.65604 | 17569.135260000003 | 17569.135260000003 | 78892 | 78892 | 4670789.7913 Gains sur change | 200923 | 34117.368 | 163484.23996 | 223707 | 534436.0077499999 | 582503.30264 | 1739170.91835 | 21304.446130000004 | 21304.446130000004 | 162806 | 162806 | 1923281.36448 Autres | 104204 | 7428.25216 | 155071.80038000003 | 483169 | 554706.0039942273 | 2362101.99246 | 3666681.0489942273 | 14151.36368 | 14151.36368 | 87915 | 87915 | 3768747.4126742273 929732 | 65116.24214 | 570364.0554000001 | 1450000 | 2515902.240454227 | 4449066.08539 | 9980180.623384226 | 53024.94507000001 | 53024.94507000001 | 329613 | 329613 | 10362818.568454226 PRODUIT NET BANCAIRE | 4151203.2438100004 | 180379.63395500003 | 1958311.64928 | 2818234 | 5829384.219884226 | 7842833.35944 | 22780346.106369223 | 389556.38028000004 | 389556.38028000004 | 414927 | 414927 | 23584829.486649226 Dotation à la provision pour créances douteuses | 287500 | 17625.7414 | 174662.85864 | 88661 | 553840.07531 | 227669.32 | 1349958.99535 | 33277.59953 | 33277.59953 | 0 | 0 | 1383236.59488 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3863703.2438100004 | 162753.89255500003 | 1783648.79064 | 2729573 | 5275544.144574226 | 7615164.0394399995 | 21430387.111019224 | 356278.78075000003 | 356278.78075000003 | 414927 | 414927 | 22201592.891769227 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1520834.8 | 81781.68685999999 | 483249.1924099999 | 582387 | 1900908.55367 | 1994927.57119 | 6564088.804130001 | 104211.00877 | 104211.00877 | 105637 | 105637 | 6773936.812900001 Frais de locaux | 109586.6 | 17927.85144 | 215323.59758 | 215872 | 175244.12726 | 234352.7046 | 968306.8808800001 | 40793.86219 | 40793.86219 | 25795 | 25795 | 1034895.7430700001 Amortissement | 95818 | 9662.84276 | 91080.75462 | 89140 | 271101.24607 | 358068.1778 | 914871.02125 | 14175.37493 | 14175.37493 | 18207 | 18207 | 947253.39618 Autres dépenses d'exploitation | 753107.51 | 54099.38168 | 382507.42065 | 765095 | 1650361.9781 | 1970709.89132 | 5575881.1817499995 | 71289.37599 | 71289.37599 | 153559 | 153559 | 5800729.557739999 2479346.91 | 163471.76273999998 | 1172160.96526 | 1652494 | 3997615.9051 | 4558058.3449099995 | 14023147.88801 | 230469.62188 | 230469.62188 | 303198 | 303198 | 14556815.50989 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1384356.3338100002 | -717.8701849999488 | 611487.82538 | 1077079 | 1277928.2394742258 | 3057105.69453 | 7407239.223009223 | 125809.15887000004 | 125809.15887000004 | 111729 | 111729 | 7644777.381879227 Impôts sur le revenu | 0 | 0 | 183446.34761400003 | 126897 | 202800 | 233178.26294 | 746321.610554 | 19938.82977 | 19938.82977 | 34706 | 34706 | 800966.440324 BÉNÉFICE NET (PERTE NETTE) | 1384356.3338100002 | -717.8701849999488 | 428041.477766 | 950182 | 1075128.2394742258 | 2823927.43159 | 6660917.612455223 | 105870.32910000005 | 105870.32910000005 | 77023 | 77023 | 6843810.941555227 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SOUS-TOTAL | SYSTÈME CUMUL 2018 (Octobre 17 - Septembre 18) REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1491170 | 67810.29759999999 | 1264031.64551 | 1309241 | 2869366.96265 | 3019447.15843 | 10021067.06419 | 450261.02826000005 | 450261.02826000005 | 53969 | 53969 | 10525297.09245 Intérêts sur Bons B.R.H. | 1189973 | 80518.87462 | 31123.944600000003 | 23770 | 94817.90419999999 | 101021.98021000001 | 1521225.70363 | 0 | 0 | 18327 | 18327 | 1539552.70363 Autres | 461727 | 12569.54384 | 22391.32873 | 57966 | 365439.39905 | 400448.21531 | 1320541.4869300001 | 53090.89882 | 53090.89882 | 19372 | 19372 | 1393004.3857500001 3142870 | 160898.71606 | 1317546.91884 | 1390977 | 3329624.2659 | 3520917.35395 | 12862834.25475 | 503351.92708000005 | 503351.92708000005 | 91668 | 91668 | 13457854.18183 Dépenses d'intérêt | 407965 | 60962.17727 | 384479.59363 | 294437 | 747620.3745700001 | 807934.9814500002 | 2703399.12692 | 208079.96196 | 208079.96196 | 3432 | 3432 | 2914911.08888 2734905 | 99936.53879 | 933067.3252099999 | 1096540 | 2582003.89133 | 2712982.3724999996 | 10159435.12783 | 295271.96512000007 | 295271.96512000007 | 88236 | 88236 | 10542943.09295 AUTRES REVENUS Commissions | 595209 | 21738.87102 | 224485.42945 | 642219 | 1311943.18119 | 1387590.60216 | 4183186.0838200003 | 19359.707169999998 | 19359.707169999998 | 97423 | 97423 | 4299968.790990001 Gains sur change | 274103 | 23209.19064 | 155606.15730999998 | 191443 | 509314.7928500001 | 809115.83209 | 1962791.9728900003 | 19082.24218 | 19082.24218 | 162276 | 162276 | 2144150.2150700004 Autres | 97779 | 14210.32755 | 123232.63481 | 167291 | 529619.9790973635 | 632729.45007 | 1564862.3915273636 | 36591.35286 | 36591.35286 | 156 | 156 | 1601609.7443873635 967091 | 59158.38921 | 503324.22157 | 1000953 | 2350877.9531373633 | 2829435.88432 | 7710840.448237365 | 75033.30221 | 75033.30221 | 259855 | 259855 | 8045728.7504473645 PRODUIT NET BANCAIRE | 3701996 | 159094.928 | 1436391.54678 | 2097493 | 4932881.844467363 | 5542418.25682 | 17870275.576067366 | 370305.26733000006 | 370305.26733000006 | 348091 | 348091 | 18588671.843397364 Dotation à la provision pour créances douteuses | 150000 | 21093.50362 | 44275.386739999994 | 51841 | 419633.04665 | 43012 | 729854.93701 | -16171.825339999996 | -16171.825339999996 | 0 | 0 | 713683.11167 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3551996 | 138001.42438 | 1392116.16004 | 2045652 | 4513248.797817363 | 5499406.25682 | 17140420.639057364 | 386477.09267000004 | 386477.09267000004 | 348091 | 348091 | 17874988.731727365 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1388356 | 81052.30750999998 | 358796.16656000004 | 474141 | 1531692.5389300003 | 1553163.62422 | 5387201.637220001 | 80343.66349 | 80343.66349 | 96680 | 96680 | 5564225.300710001 Frais de locaux | 98084 | 13532.052119999998 | 155651.99430999998 | 178610 | 143993.62923000002 | 191632.34344 | 781504.0190999999 | 39573.38707 | 39573.38707 | 17979 | 17979 | 839056.4061699999 Amortissement | 122921 | 8445.55569 | 60471.77566 | 77228 | 257289.9072 | 359381.63976000005 | 885737.8783100001 | 9700.92518 | 9700.92518 | 20133 | 20133 | 915571.8034900001 Autres dépenses d'exploitation | 599746 | 30849.611149999997 | 295971.84355999995 | 664555 | 1452613.1352 | 1582672.02447 | 4626407.61438 | 65810.75242 | 65810.75242 | 165217 | 165217 | 4857435.3668 2209107 | 133879.52646999998 | 870891.78009 | 1394534 | 3385589.2105600005 | 3686849.6318900003 | 11680851.14901 | 195428.72816 | 195428.72816 | 300009 | 300009 | 12176288.87717 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1342889 | 4121.897910000029 | 521224.37995 | 651118 | 1127659.587257363 | 1812556.6249299995 | 5459569.490047364 | 191048.36451000004 | 191048.36451000004 | 48082 | 48082 | 5698699.854557365 Impôts sur le revenu | 0 | 0 | 156367.313985 | 130216 | 215800 | -134923.313 | 367460.00098500005 | 51583.05842 | 51583.05842 | 14933 | 14933 | 433976.05940500007 BÉNÉFICE NET (PERTE NETTE) | 1342889 | 4121.897910000029 | 364857.06596499996 | 520902 | 911859.5872573629 | 1947479.9379299995 | 5092109.489062363 | 139465.30609000003 | 139465.30609000003 | 33149 | 33149 | 5264723.795152365 [pageint.sect4] SECTION 4 STATISTIQUES PAR BANQUE [bncinfin ] BANQUE NATIONALE DE CRÉDIT (BNC) Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 73379557.37069 | 0.021592766545534967 | 74964025.02221 | 0.05811069958329159 | 79320236.95983 | 0.027378737094542575 | 81491924.87383 | 0.20593534220412657 | 67575699.97483 | 0.08914733705082545 | 62044589.99809 | 0.03124137354096773 | 60164954.19016 | 0.26856167008083187 | 47427693.59121999 Bons B.R.H. | 7550000 | -0.45695364238410596 | 4100000 | -0.34146341463414637 | 2700000 | -0.6296296296296297 | 1000000 | -0.8906506287588847 | 9145000 | 0.20328947368421052 | 7600000 | -0.1111111111111111 | 8550000 | 1 | 4275000 Prêts nets | 16927589 | 0.03716816966669028 | 17556756.5 | 0.12437892500246273 | 19740447 | 0.07596710449363185 | 21240071.6 | 0.3302674404738643 | 15966768 | 0.14820552077202068 | 13905845 | 0.15200536118160535 | 12070989.83093 | 0.22539365948920909 | 9850703.679959998 Dépôts | 57343598.39 | 0.02312963691220493 | 58669935 | 0.04969661207226495 | 61585632 | 0.007683050163388759 | 62058797.5 | 0.1692237667667271 | 53076921 | 0.07371371072567695 | 49433029 | 0.010399758177286585 | 48924228.85094 | 0.31138473187726934 | 37307303.99835 Avoir des Actionnaires | 6810632 | 0.03238906462718878 | 7031222 | 0.01981732336142992 | 7170562 | 0.025923616586817095 | 7356448.9 | 0.16238502871181285 | 6328754 | 0.22276593101430917 | 5175769 | 0.16398067948454542 | 4446610.74812 | 0.28234262655617426 | 3467568.3830784764 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) Résultats Revenus nets d'intérêt | 753092 | 0.15337562371160862 | 652946 | 786221.6799999999 | 0.20198635686788902 | 654102 | 696145.4 | 0.03300074491101136 | 673906 | 986012.1638099999 | 0.3077934292944766 | 753951 | 3221471.2438100004 | 0.17790974231646084 | 2734905 Autres revenus | 260706 | 0.21857691067246884 | 213943 | 244403 | -0.014933013042707208 | 248108 | 189784 | -0.1328203534808912 | 218852 | 234839 | -0.17942401498315794 | 286188 | 929732 | -0.03863028401670577 | 967091 Dot. à la prov. pr créances douteuses | 0 | 0 | 0 | 65000 | 0.3 | 50000 | 0 | -1 | 30000 | 222500 | 2.1785714285714284 | 70000 | 287500 | 0.9166666666666666 | 150000 Dépenses d'exploitation | 531919 | 0.053238210648038145 | 505032 | 545036 | 0.034272973101190755 | 526975 | 589926 | 0.1106580062129342 | 531150 | 812465.9099999999 | 0.2577845189256133 | 645950 | 2479346.91 | 0.12232993241160349 | 2209107 Bénéfice (perte) net | 481879 | 0.3316835103369563 | 361857 | 420588.67999999993 | 0.2931839439174749 | 325235 | 296003.4 | -0.10736954476369683 | 331608 | 185885.2538099999 | -0.42661455567585604 | 324189 | 1384356.3338100002 | 0.030879196873308378 | 1342889 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) | 2018 | 2017 | 2016 | 2015 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.09281375145934542 | 0.0881835687432316 | 0.09379461679007793 | 0.0872622133770277 | 0.09040015858287682 | 0.09088174789329653 | 0.09027212096645935 | 0.0936542870049038 | 0.09027212096645935 | 0.0936542870049038 | 0.0936542870049038 | 0.0834201499302249 | 0.07390699133694753 | 0.07311273478667339 Dépôts en % de l'actif | 0.7814655803975284 | 0.7870651351378388 | 0.7826412066670317 | 0.7908116110041861 | 0.7764176502799494 | 0.7776945646625703 | 0.7615330917275869 | 0.7854438950653804 | 0.7615330917275869 | 0.7854438950653804 | 0.7854438950653804 | 0.7967339134890208 | 0.8131682224224409 | 0.7866143422427879 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.08006517465175418 | 0.04435229614331744 | 0.0821122953639602 | 0.07186698980390227 | 0.25262345024376176 | 0.0734904534852726 | 0.2411278826739176 | 0.04082914348332135 | 0.2411278826739176 | 0.04082914348332135 | 0.04082914348332135 | 0.04104977576069428 | 0.0446256355859159 | 0.06943674388907971 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.4056036510539327 | 0.7433935831227337 | 0.4381632294144356 | 0.361494544166233 | 0.1570758653731724 | 0.39428286187416095 | 0.19347274672846038 | 0.799508241481033 | 0.19347274672846038 | 0.799508241481033 | 0.799508241481033 | 0.8181350299406266 | 0.8404080961577574 | 0.56491289338209 Prêts improductifs nets en % de l'avoir des actionnaires | 0.12225458665216385 | 0.030364455815542618 | 0.11949373807284139 | 0.12923230999025095 | 0.6104504779402228 | 0.11849520596990352 | 0.5889828175113131 | 0.021349068078803504 | 0.5889828175113131 | 0.021349068078803504 | 0.021349068078803504 | 0.020754790254356406 | 0.020086764726991935 | 0.08932775295551823 Rentabilité ROA (rendement de l'actif) | 0.027349331075677857 | 0.023188313111920194 | 0.02268186722825861 | 0.02007645081647743 | 0.015348468920800612 | 0.019971603030366807 | 0.00924732317210062 | 0.01941172005451372 | 0.018573534464179725 | 0.020720351733213273 | 0.020720351733213273 | 0.0182436206863547 | 0.019529060226210284 | 0.01110359024559657 ROE ( rendement avoir des action.) | 0.29339514038174996 | 0.2702090233768101 | 0.24308228074071578 | 0.22889931739638508 | 0.16674153050067514 | 0.22424518143996625 | 0.10236669062318933 | 0.2103474914748223 | 0.20231433087630732 | 0.2334540945330806 | 0.2334540945330806 | 0.2404644249021568 | 0.26549605001192456 | 0.15723599599719898 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8353386035687783 | 0.8872332475014777 | 0.8423629104488134 | 0.8750668907059378 | 0.7991732121660189 | 0.8563745903378831 | 0.8136259716027285 | 0.8641093937317053 | 0.8222549367124287 | 0.8701934855721045 | 0.8701934855721045 | 0.8878419265598951 | 0.9143506643184073 | 0.9055259117474963 Rendement moyen des prêts | 0.09235146798115673 | 0.10294320157523773 | 0.09431399997605562 | 0.09045494502795803 | 0.07691017477253129 | 0.08796325925519778 | 0.09250306259368818 | 0.10026482723882774 | 0.08670811586837883 | 0.09653255555046658 | 0.09653255555046658 | 0.10090080138149649 | 0.09633592835005592 | 0.0854000422996563 Rendement moyen des prêts productifs | 0.09835280679475772 | 0.1075375098464567 | 0.10263897162361611 | 0.0961094673684445 | 0.09294538156142053 | 0.0948562365169664 | 0.12278805136230067 | 0.10631326327305538 | 0.10272105950728723 | 0.10065245187677198 | 0.10065245187677198 | 0.10583808069091825 | 0.10202761183967712 | 0.09052298009154569 Rémunération moyenne des dépôts | 0.01075517491278484 | 0.006715813040283033 | 0.01014578183773737 | 0.007306282961500864 | 0.011637654995215315 | 0.008679154202320308 | 0.014613636273844426 | 0.009083165167091577 | 0.012096653394315681 | 0.007959520027080298 | 0.007959520027080298 | 0.005949160332846214 | 0.004712985163678976 | 0.004334308903018387 Dépenses d'exploitation en % du produit net bancaire | 0.5246794726365608 | 0.5825797766496057 | 0.5288404310286845 | 0.5840935037297303 | 0.6658837600377637 | 0.5949540636992332 | 0.6654913670758014 | 0.6210227671493906 | 0.5972598218834595 | 0.5967340321275334 | 0.5967340321275334 | 0.6065613951815964 | 0.5913411826168897 | 0.6856136647427727 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 5165.849681528663 | 4275.654747225647 | 5271.737493606138 | 4477.468982630273 | 4551.981502890174 | 4444.345986309894 | 6317.4704466235435 | 5239.994962216625 | 5332.309882864483 | 4618.834684965689 | 6158.446246620919 | 4022.6345991917897 | 4248.7397139385075 | 3242.9347772723004 [bncvar] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 ACTIF Disponibilités Encaisse | 9033083 | 0.13132437729178398 | 10219347 | 0.17250965252476502 | 11982283 | -0.027950850434762725 | 11647368 | 0.33814454261764376 | 8704118 | 0.30826746492345597 | 6653164 | -0.1771445365115823 | 8085458.86272 | 0.01676796934529176 | 7952117.992000001 Avoirs à la BRH | 18577168 | -0.023412233769969676 | 18142235 | -0.021747044947879907 | 17747695 | -0.009148117544278285 | 17585337 | 0.0849201335786557 | 16208877 | -0.11155815213655744 | 18244162 | 0.03186660874383558 | 17680736.87568 | 0.6424188948486622 | 10765059.347 Avoirs à l'étranger | 1535542 | -0.2896156536258858 | 1090825 | 0.10204111566933284 | 1202134 | 0.9365653579384662 | 2328011.06 | 3.4480661321879493 | 523376 | -0.5349909996996939 | 1125518 | 0.35685822044856497 | 829503.02621 | -0.4221371629272187 | 1435466.988 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 629530 | -0.33811732562387814 | 416675 | -0.3313013739725206 | 278630 | -0.4784183325557191 | 145328.3 | -0.3054368969159375 | 209237 | -0.4635925254633131 | 390071 | -0.26391102583243586 | 529923.70989 | 1.2113050413233282 | 239642.97099999996 29775323 | 0.0031488827174099843 | 29869082 | 0.04491801924143501 | 31210742 | 0.01586961181506032 | 31706044.36 | 0.23631478575200868 | 25645608 | -0.02905044747995441 | 26412915 | -0.02627432698254177 | 27125622.474499997 | 0.33019028606763384 | 20392287.298 Bons B.R.H. | 7550000 | -0.45695364238410596 | 4100000 | -0.34146341463414637 | 2700000 | -0.6296296296296297 | 1000000 | -0.8906506287588847 | 9145000 | 0.20328947368421052 | 7600000 | -0.1111111111111111 | 8550000 | 1 | 4275000 Bons du Trésor / M.E.F. | 4525420 | 0.9335221924152897 | 8750000 | -0.3028571428571429 | 6100000 | 0.29508196721311475 | 7900000 | 0.85533114138093 | 4258000 | 2.0414285714285714 | 1400000 | 0 | 1400000 | 0 | 1400000 Autres Placements | 10255433 | -0.01909670708199254 | 10059588 | 0.47784084199074556 | 14866470 | 0.004248749030536653 | 14929633.900000002 | 0.7192880637025094 | 8683614 | -0.04732307167051272 | 9114962 | 0.2276977346534719 | 7424434.975090001 | -0.08390617541944524 | 8104448.229949998 Portefeuille net | 16927589 | 0.03716816966669028 | 17556756.5 | 0.12437892500246273 | 19740447 | 0.07596710449363185 | 21240071.6 | 0.3302674404738643 | 15966768 | 0.14820552077202068 | 13905845 | 0.15200536118160535 | 12070989.83093 | 0.22539365948920909 | 9850703.679959998 Immobilisations | 2066845.3706900002 | 0.03160621130461786 | 2132170.5222099996 | 0.01751170332347508 | 2169508.45983 | -0.0033129605775141704 | 2162320.96383 | 0.06163594854597922 | 2036781.97483 | 0.08560109504663384 | 1876178.9980899997 | 0.012384900213697574 | 1853226.9670299997 | 0.15092247994416777 | 1610210.07003 Autres actifs | 2278947 | 0.09543047732132427 | 2496428 | 0.01467757131389329 | 2533069.5 | 0.00820528216853103 | 2553854.05 | 0.38801847137496676 | 1839928 | 0.06066735881763244 | 1734689 | -0.0034417255368708916 | 1740679.9426099998 | -0.03028580980859611 | 1795044.31328 73379557.37069 | 0.021592766545534967 | 74964025.02221 | 0.05811069958329159 | 79320236.95983 | 0.027378737094542575 | 81491924.87383 | 0.20593534220412657 | 67575699.97483 | 0.08914733705082545 | 62044589.99809 | 0.03124137354096773 | 60164954.19016 | 0.26856167008083187 | 47427693.59121999 PASSIF Dépôts À vue | 30616034 | -0.013318315494423609 | 30208280 | 0.018076401569371046 | 30754337 | 0.006869583954939428 | 30965606.5 | 0.08565678266786488 | 28522464 | 0.01894338625867773 | 27992197 | -0.053047322465431014 | 29560291.305030003 | 0.40218485950264304 | 21081593.560720004 Épargne | 18239741 | 0.051830121929911176 | 19185109 | 0.07151400599287708 | 20557113 | -0.004334314842750536 | 20468012 | 0.24824200024503779 | 16397471 | 0.12760153382961872 | 14541902 | 0.0845222856456439 | 13408578.313669998 | 0.20782594582974412 | 11101416.02767 À terme | 8487823.39 | 0.0929240128781708 | 9276546 | 0.10754390696709745 | 10274182 | 0.034163011712270624 | 10625179 | 0.30258639649497987 | 8156986 | 0.18235523479728016 | 6898930 | 0.15844061306190815 | 5955359.23224 | 0.16218131820542436 | 5124294.40996 57343598.39 | 0.02312963691220493 | 58669935 | 0.04969661207226495 | 61585632 | 0.007683050163388759 | 62058797.5 | 0.1692237667667271 | 53076921 | 0.07371371072567695 | 49433029 | 0.010399758177286585 | 48924228.85094 | 0.31138473187726934 | 37307303.99835 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2233417 | 0.07059899696294959 | 2391094 | 0.23992218624612835 | 2964770.5 | -0.13017402864741137 | 2578834.38 | 0.7289418786136468 | 1491568 | -0.09030210586906998 | 1639630.046 | -0.18464811244681914 | 2010947.7527799997 | 0.2388203607552178 | 1623276.31712 2233417 | 0.07059899696294959 | 2391094 | 0.23992218624612835 | 2964770.5 | -0.13017402864741137 | 2578834.38 | 0.7289418786136468 | 1491568 | -0.09030210586906998 | 1639630.046 | -0.18464811244681914 | 2010947.7527799997 | 0.2388203607552178 | 1623276.31712 Obligations à terme Banques locales | 2154220 | -0.019115967728458562 | 2113040 | 0.1977335970923409 | 2530859 | 0.7279125387862382 | 4373103 | 0.9919381470628829 | 2195401 | 0.8137813945803041 | 1210400 | 5.113131313131313 | 198000 | 65 | 3000 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3738178 | 0.0009199668929622934 | 3741617 | 0.05168701125743228 | 3935010 | 0.024562801619309762 | 4031664.87 | 0.17072312100307258 | 3443739 | -0.0519075886729059 | 3632282 | 0.01598292312826117 | 3575140.79943 | -0.13900811606310112 | 4152351.33586 5892398 | -0.006405032382401868 | 5854657 | 0.10439757615177114 | 6465869 | 0.2998667108783059 | 8404767.870000001 | 0.4904343339587244 | 5639140 | 0.1644663019376453 | 4842682 | 0.2834617782436248 | 3773140.79943 | -0.09198031779685767 | 4155351.33586 Autres passifs | 1099512 | -0.07493779058345884 | 1017117 | 0.11432952157913003 | 1133403.5 | -0.035580691254262074 | 1093076.22 | 0.05172552743773071 | 1039317 | 0.09002496119478122 | 953480 | -0.05598473672543268 | 1010026.04205 | 0.15538033852942446 | 874193.552 66568925.39 | 0.020488202295734843 | 67932803 | 0.06207416467122665 | 72149675 | 0.027523352946496278 | 74135475.97 | 0.21043547167233448 | 61246946 | 0.07698638504319656 | 56868821.046000004 | 0.020648094140335145 | 55718343.44519999 | 0.26747463041755154 | 43960125.20333 AVOIR DES ACTIONNAIRES Capital versé | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 0 | 3000000 | 1 | 1500000 | 0 | 1500000 Réserves | 721981 | 0 | 721981 | 0.2870865022763757 | 929252 | 0.03228403059665193 | 959252 | 0.32863700203052154 | 721982 | 0.47190367556966334 | 490509 | 0.4993752900993411 | 327142.246 | 0.1876420975569913 | 275455.24588 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0 | 194000 | -0.17525773195876287 | 160000 | -6.250000000363798e-07 | 159999.9 | -0.17525824742268045 | 194000 | 0.23396324824923515 | 157217 | -0.015602309613513296 | 159708.82656000002 | 0.327770808975907 | 120283.42955 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 2894651 | 0.07620607803842329 | 3115241 | -0.01089193420348538 | 3081310 | 0.050591144675478934 | 3237197 | 0.34169204549787546 | 2412772 | 0.5789948319517186 | 1528043 | -0.3787836205371897 | 2459759.67556 | 0.5649021414920988 | 1571829.7076484761 6810632 | 0.03238906462718878 | 7031222 | 0.01981732336142992 | 7170562 | 0.025923616586817095 | 7356448.9 | 0.16238502871181285 | 6328754 | 0.22276593101430917 | 5175769 | 0.16398067948454542 | 4446610.74812 | 0.28234262655617426 | 3467568.3830784764 73379557.39 | 0.021592765974027626 | 74964025 | 0.058110700432640855 | 79320237 | 0.027378736525963794 | 81491924.87 | 0.20593534169827327 | 67575700 | 0.08914733661547636 | 62044590.046000004 | 0.031241374283115554 | 60164954.19331999 | 0.26856167027615424 | 47427693.58640848 Hors-bilan Effets à l'encaissement | 907521 | 992903 | 1132939 | 1146373 | 815323 | 677233 | 0 | 0 Crédit documentaire | 341342 | 339205 | 375940 | 355824 | 244921 | 223508 | 196610.4 | 156425.1 Autres | 11126198 | 10017152 | 8643090 | 7735704.5 | 10588763 | 2957417 | 1725729.7650000001 | 1792106.23 Portefeuille brut | 17495759 | 0.04093789243438938 | 18211998.5 | 0.12871390803156502 | 20556136 | 0.08383428675505941 | 22279445 | 0.3498143020023007 | 16505563 | 0.14708857237134906 | 14389092 | 0.14733318066385784 | 12541336.939 | 0.22320135300946897 | 10252880.204999998 Provisions pour créances douteuses | 568170 | 0.15324990759807805 | 655242 | 0.24486678204388607 | 815689 | 0.27422755486466044 | 1039373.4 | 0.929070240072755 | 538795 | 0.11494742854068417 | 483247 | 0.02742632347189897 | 470347.10806999996 | 0.16950413260251782 | 402176.52504 Portefeuille de crédit improductif | 1400801 | 0.06755277873159714 | 1495429 | 2.47255670446407 | 5192962 | 0.034514675824702815 | 5372195.4 | 6.971704446304244 | 673908 | 0.14092325820383328 | 590669 | 0.05539717632435965 | 559665.132 | -0.21387244317220094 | 711926.61692 [bnccomp ] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 18 | Comp. | Mars 19 | Comp. | Juin 19 | Comp. | Sept. 19 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. | 2015 | Comp. ACTIF Disponibilités Encaisse | 9033083 | 0.1231008106844766 | 10219347 | 0.1363233497263822 | 11982283 | 0.15106211805781877 | 11647368 | 0.14292665215643213 | 8704118 | 0.12880544342481148 | 6653164 | 0.10723197623201013 | 8085458.86272 | 0.13438818281427994 | 7952117.992000001 | 0.16766824169312186 Avoirs à la BRH | 18577168 | 0.25316544097089744 | 18142235 | 0.24201255194908358 | 17747695 | 0.22374737746923187 | 17585337 | 0.21579238712579835 | 16208877 | 0.23986250983766855 | 18244162 | 0.29404919914148253 | 17680736.87568 | 0.29387102697356815 | 10765059.347 | 0.2269783439140897 Avoirs à l'étranger | 1535542 | 0.020926018839864814 | 1090825 | 0.014551313108878763 | 1202134 | 0.015155451446883529 | 2328011.06 | 0.028567383376995287 | 523376 | 0.007745032610760118 | 1125518 | 0.018140469620875056 | 829503.02621 | 0.013787146310927726 | 1435466.988 | 0.0302664304187404 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 629530 | 0.008579092359740142 | 416675 | 0.0055583328119928116 | 278630 | 0.0035127227386008196 | 145328.3 | 0.001783346021400338 | 209237 | 0.003096334926281707 | 390071 | 0.006286946210975172 | 529923.70989 | 0.008807846977080709 | 239642.97099999996 | 0.005052806764450457 29775323 | 0.40577136285497895 | 29869082 | 0.3984455475963374 | 31210742 | 0.393477669712535 | 31706044.36 | 0.3890697686806261 | 25645608 | 0.3795093207995219 | 26412915 | 0.4257085912053429 | 27125622.474499997 | 0.45085420307585644 | 20392287.298 | 0.42996582279040246 Bons B.R.H. | 7550000 | 0.10288969122367174 | 4100000 | 0.05469290101198902 | 2700000 | 0.03403923265341928 | 1000000 | 0.012271154492279468 | 9145000 | 0.1353297117663043 | 7600000 | 0.12249254931387187 | 8550000 | 0.14210930790334345 | 4275000 | 0.09013721048394825 Bons du Trésor / M.E.F. | 4525420 | 0.06167139953078524 | 8750000 | 0.11672265459875707 | 6100000 | 0.07690345155031762 | 7900000 | 0.0969421204890078 | 4258000 | 0 | 1400000 | 0 | 1400000 | 0 | 1400000 | 0 Autres Placements | 10255433 | 0.1397587198324574 | 10059588 | 0.13419220748912017 | 14866470 | 0.18742341891299188 | 14929633.900000002 | 0.18320384410007287 | 8683614 | 0.12850202074465222 | 9114962 | 0.1469098595104037 | 7424434.975090001 | 0.12340132349513648 | 8104448.229949998 | 0.1708800832653251 Portefeuille net | 16927589 | 0.23068535170479765 | 17556756.5 | 0.2342024256941695 | 19740447 | 0.24887024745018244 | 21240071.6 | 0.26064020003067756 | 15966768 | 0.23627972785997275 | 13905845 | 0.22412663215967873 | 12070989.83093 | 0.20063158018500105 | 9850703.679959998 | 0.20769940374632934 Immobilisations | 2066845.3706900002 | 0.028166500926803905 | 2132170.5222099996 | 0.028442583246807915 | 2169508.45983 | 0.027351260447301743 | 2162320.96383 | 0.026534174609052573 | 2036781.97483 | 0.0301407454985837 | 1876178.9980899997 | 0.030239203742788157 | 1853226.9670299997 | 0.030802432944145676 | 1610210.07003 | 0.03395084070308004 Autres actifs | 2278947 | 0.031056973926505037 | 2496428 | 0.03330168036281896 | 2533069.5 | 0.03193471927325202 | 2553854.05 | 0.03133873759828361 | 1839928 | 0.027227657289311397 | 1734689 | 0.02795874708904356 | 1740679.9426099998 | 0.028931792038074694 | 1795044.31328 | 0.03784802037289677 73379557.37069 | 1 | 74964025.02221 | 1 | 79320236.95983 | 1 | 81491924.87383 | 1 | 67575699.97483 | 1 | 62044589.99809 | 1 | 60164954.19016 | 1 | 47427693.59121999 | 1 PASSIF Dépôts À vue | 30616034 | 0.4172283820865478 | 30208280 | 0.40297035799571895 | 30754337 | 0.38772371564617064 | 30965606.5 | 0.37998374130863327 | 28522464 | 0.42208166560795957 | 27992197 | 0.45116257518764685 | 29560291.305030003 | 0.4913207647694777 | 21081593.560720004 | 0.44449965757185195 Épargne | 18239741 | 0.24856706218407226 | 19185109 | 0.2559242115710292 | 20557113 | 0.2591660563294926 | 20468012 | 0.2511661374018301 | 16397471 | 0.24265336513136504 | 14541902 | 0.23437824313848576 | 13408578.313669998 | 0.22286360048227172 | 11101416.02767 | 0.2340703329019807 À terme | 8487823.39 | 0.11567013612690845 | 9276546 | 0.1237466371002836 | 10274182 | 0.12952787830428614 | 10625179 | 0.13038321301712347 | 8156986 | 0.1207088643260557 | 6898930 | 0.11119309516288815 | 5955359.23224 | 0.0989838571706916 | 5124294.40996 | 0.1080443517689553 57343598.39 | 0.7814655803975284 | 58669935 | 0.7826412066670317 | 61585632 | 0.7764176502799494 | 62058797.5 | 0.7615330917275869 | 53076921 | 0.7854438950653804 | 49433029 | 0.7967339134890208 | 48924228.85094 | 0.8131682224224409 | 37307303.99835 | 0.7866143422427879 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2233417 | 0.030436501391218444 | 2391094 | 0.03189655303716119 | 2964770.5 | 0.037377226967960815 | 2578834.38 | 0.031645275086981735 | 1491568 | 0.02207254975613373 | 1639630.046 | 0.026426640035021185 | 2010947.7527799997 | 0.033423905658169537 | 1623276.31712 | 0.03422633896370848 2233417 | 0.030436501391218444 | 2391094 | 0.03189655303716119 | 2964770.5 | 0.037377226967960815 | 2578834.38 | 0.031645275086981735 | 1491568 | 0.02207254975613373 | 1639630.046 | 0.026426640035021185 | 2010947.7527799997 | 0.033423905658169537 | 1623276.31712 | 0.03422633896370848 Obligations à terme Banques locales | 2154220 | 0.02935722259971631 | 2113040 | 0.028187387208383728 | 2530859 | 0.031906851227407426 | 4373103 | 0.05366302252365082 | 2195401 | 0.032488024553467054 | 1210400 | 0.01950855022230401 | 198000 | 0.003290952393551111 | 3000 | 6.325418279575316e-05 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3738178 | 0.05094304372968513 | 3741617 | 0.049912167855067156 | 3935010 | 0.049609155882789406 | 4031664.87 | 0.04947318248086582 | 3443739 | 0.05096120352852717 | 3632282 | 0.05854308973774857 | 3575140.79943 | 0.05942231399578986 | 4152351.33586 | 0.08755119681022609 5892398 | 0.08030026632940145 | 5854657 | 0.07809955506345088 | 6465869 | 0.08151600711019684 | 8404767.870000001 | 0.10313620500451665 | 5639140 | 0.08344922808199422 | 4842682 | 0.07805163996005259 | 3773140.79943 | 0.06271326638934097 | 4155351.33586 | 0.08761445099302184 Autres passifs | 1099512 | 0.01498390068565851 | 1017117 | 0.013568068146002742 | 1133403.5 | 0.014288957565444332 | 1093076.22 | 0.01341330716745686 | 1039317 | 0.015380040464059056 | 953480 | 0.015367657357867177 | 1010026.04205 | 0.016787614245623247 | 874193.552 | 0.018432132912358914 66568925.39 | 0.9071862488038068 | 67932803 | 0.9062053829136466 | 72149675 | 0.9095998419235513 | 74135475.97 | 0.9097278789865421 | 61246946 | 0.9063457133675673 | 56868821.046000004 | 0.9165798508419618 | 55718343.44519999 | 0.9260930087155745 | 43960125.20333 | 0.9268872651118771 AVOIR DES ACTIONNAIRES | 0 Capital versé | 3000000 | 0.040883321016028505 | 3000000 | 0.040019195862430995 | 3000000 | 0.03782136961491031 | 3000000 | 0.03681346347683841 | 3000000 | 0.044394656675660234 | 3000000 | 0.048352322097580995 | 1500000 | 0.024931457526902356 | 1500000 | 0.03162709139787658 Réserves | 721981 | 0.009838993663491093 | 721981 | 0.009631033015984598 | 929252 | 0.011715194452464878 | 959252 | 0.011771129489028065 | 721982 | 0.010684047672002176 | 490509 | 0.007905749719920786 | 327142.246 | 0.005437422007602962 | 275455.24588 | 0.0058078988249808845 Réserves (Prov. Pour pertes sur prêts) | 194000 | 0.0026437880923698433 | 194000 | 0.002587907999103871 | 160000 | 0.0020171397127952163 | 159999.9 | 0.0019633834916492655 | 194000 | 0.0028708544650260285 | 157217 | 0.0025339356744051304 | 159708.82656000002 | 0.0026545158840347036 | 120283.42955 | 0.002536143346685266 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 2894651 | 0.039447648687455976 | 3115241 | 0.04155647991255847 | 3081310 | 0.038846454802706425 | 3237197 | 0.03972414450894362 | 2412772 | 0.03570472819221537 | 1528043 | 0.024628142438317988 | 2459759.67556 | 0.040883595918407505 | 1571829.7076484761 | 0.03314160121713065 6810632 | 0.09281375145934542 | 7031222 | 0.09379461679007793 | 7170562 | 0.09040015858287682 | 7356448.9 | 0.09027212096645935 | 6328754 | 0.0936542870049038 | 5175769 | 0.0834201499302249 | 4446610.74812 | 0.07390699133694753 | 3467568.3830784764 | 0.07311273478667339 73379557.39 | 1.0000000002631522 | 74964025 | 0.9999999997037246 | 79320237 | 1.0000000005064282 | 81491924.87 | 0.9999999999530015 | 67575700 | 1.0000000003724712 | 62044590.046000004 | 1.0000000007721868 | 60164954.19331999 | 1.0000000000525222 | 47427693.58640848 | 0.9999999998985506 [bncgdes&$ ] BANQUE NATIONALE DE CRÉDIT (BNC) BILAN DEVISES ET GOURDES (En milliers de gourdes) Septembre 19 | Septembre 18 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 10700182 | 947186 | 11647368 | 0.9186781082215313 | 7182622 | 1521496 | 8704118 | 0.8251981418450439 Avoirs à la BRH | 2264380 | 15320957 | 17585337 | 0.12876523207943072 | 3570959 | 12637918 | 16208877 | 0.22030884681276808 Avoirs à l'étranger | 2328011.06 | 0 | 2328011.06 | 1 | 523376 | 0 | 523376 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 28534 | 116794.3 | 145328.3 | 0.19634166229151515 | 59943 | 149294 | 209237 | 0.2864837480942663 15321107.06 | 16384937.3 | 31706044.36 | 0.48322354204893947 | 11336900 | 14308708 | 25645608 | 0.4420600985556669 Bons B.R.H. | 0 | 1000000 | 1000000 | 0 | 0 | 9145000 | 9145000 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 4258000 | 4258000 | 0 Autres Placements | 11494264 | 11335369.9 | 22829633.9 | 0.50347999667222 | 7851675 | 831939 | 8683614 | 0.9041943826614126 Portefeuille net | 7593825.6 | 13646246 | 21240071.6 | 0.3575235405515299 | 4537766 | 11429002 | 15966768 | 0.284200659770343 Immobilisations | 0 | 2162320.96383 | 2162320.96383 | 0 | 0 | 2036781.97483 | 2036781.97483 | 0 Autres actifs | 145786.05 | 2408068 | 2553854.05 | 0.05708472259798871 | 72613 | 1767315 | 1839928 | 0.03946513124426608 34554982.71 | 46936942.163830005 | 81491924.87383 | 0.42402953131245585 | 23798954 | 43776745.97483 | 67575699.97483 | 0.35218213068994364 PASSIF Dépôts À vue | 15378808.5 | 15586798 | 30965606.5 | 0.4966416046138157 | 12648366 | 15874098 | 28522464 | 0.44345278163906177 Épargne | 8944111 | 11523901 | 20468012 | 0.43697995682238217 | 6362597 | 10034874 | 16397471 | 0.38802306770355016 À terme | 5410988 | 5214191 | 10625179 | 0.5092608792755398 | 2998517 | 5158469 | 8156986 | 0.36760109677765784 29733907.5 | 32324890 | 62058797.5 | 0.4791247767893021 | 22009480 | 31067441 | 53076921 | 0.41467137854511193 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1000804.1299999999 | 1578030.25 | 2578834.38 | 0.3880839102199343 | 183040 | 1308528 | 1491568 | 0.12271649700181286 1000804.1299999999 | 1578030.25 | 2578834.38 | 0.3880839102199343 | 183040 | 1308528 | 1491568 | 0.12271649700181286 Obligations à terme Banques locales | 1866324 | 2506779 | 4373103 | 0 | 0 | 2195401 | 2195401 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1925804.87 | 2105860 | 4031664.87 | 0.47766987884585754 | 1591386 | 1852353 | 3443739 | 0.46210993341829915 3792128.87 | 4612639 | 8404767.870000001 | 0.45118781727876556 | 1591386 | 4047754 | 5639140 | 0.2822036693538376 Autres passifs | 11696 | 1081380.2 | 1093076.2 | 0 | 0 | 1039317 | 1039317 | 0 34538536.5 | 39596939.45 | 74135475.95 | 0.46588405965443863 | 23783906 | 37463040 | 61246946 | 0.3883280318989293 AVOIR DES ACTIONNAIRES Capital versé | 0 | 3000000 | 3000000 | 0 | 0 | 3000000 | 3000000 | 0 Réserves | 0 | 959252 | 959252 | 0 | 0 | 721982 | 721982 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 159999.9 | 159999.9 | 0 | 194000 | 194000 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 3237197 | 3237197 | 0 | 0 | 2412772 | 2412772 | 0 0 | 7356448.9 | 7356448.9 | 0 | 0 | 6328754 | 6328754 | 0 34538536.5 | 46953388.35 | 81491924.85 | 0.42382771745266984 | 23783906 | 43791794 | 67575700 | 0.35195944696096376 *Converties au taux de 93.3162 gdes | *Converties au taux de 69.9774 Gdes [bncrésult ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2019 | 2018 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 392509 | 0.0725045285585808 | 420967.68 | -0.11463986974011875 | 372708 | 0.3289298963531773 | 495302.80381 | 375271 | -0.06021248644313043 | 352675 | 0.009861770752108883 | 356153 | 0.14296664635704318 | 407071 Intérêts sur bons B.R.H. | 296394 | -0.2710345013731722 | 216061 | -0.5734584214643087 | 92159 | -0.6253757093718465 | 34525 | 259940 | 0.18002231284142495 | 306735 | -0.02680163659184638 | 298514 | 0.08800257274365691 | 324784 Autres | 212638 | 0.3935608875177532 | 296324 | 0.3708474507633536 | 406215 | 0.6790276085324273 | 682046.2 | 100724 | -0.12555101068265756 | 88078 | 0.501646268080565 | 132262 | 0.06351786605374181 | 140663 901541 | 0.03528589381958218 | 933352.6799999999 | -0.06671720276198269 | 871082 | 0.39122838471005017 | 1211874.00381 | 735935 | 0.015698397276933423 | 747488 | 0.052764726657819255 | 786929 | 0.10876330647364629 | 872518 Dépenses d'intérêt | 148449 | -0.008878470046952152 | 147131 | 0.18898532600199827 | 174936.6 | 0.29110683527632275 | 225861.83999999997 | 82989 | 0.12528166383496608 | 93386 | 0.21027777182875376 | 113023 | 0.049051962874813095 | 118567 753092 | 0.04399154419380359 | 786221.6799999999 | -0.11456855272675757 | 696145.4 | 0.41638824850383255 | 986012.1638099999 | 652946 | 0.0017704373715437417 | 654102 | 0.030276623523548315 | 673906 | 0.11877769303137233 | 753951 AUTRES REVENUS Commissions | 158208 | 0.09055799959546926 | 172535 | -0.19061060074767439 | 139648 | 0.1043051099908341 | 154214 | 144593 | 0.07320548020996867 | 155178 | -0.11351480235600407 | 137563 | 0.1476559830768448 | 157875 Gains sur change | 64187 | -0.05169271036191129 | 60869 | -0.38155711445892 | 37644 | 0.015380937201147592 | 38223 | 60683 | 0.12360957764118452 | 68184 | -0.11947084359967147 | 60038 | 0.41906792364835604 | 85198 Autres | 38311 | -0.7129022996006369 | 10999 | 0.13573961269206292 | 12492 | 2.39433237271854 | 42402 | 8667 | 1.8551978770047306 | 24746 | -0.14123494706215145 | 21251 | 1.0288457013787586 | 43115 260706 | -0.0625340421777788 | 244403 | -0.2234792535279845 | 189784 | 0.23740146693082662 | 234839 | 213943 | 0.1596920675133096 | 248108 | -0.11791639124897223 | 218852 | 0.30767824831392904 | 286188 PRODUIT NET BANCAIRE | 1013798 | 0.016597665412636377 | 1030624.6799999999 | -0.14039570641758736 | 885929.4 | 0.37804565895431375 | 1220851.1638099998 | 866889 | 0.04074454745647944 | 902210 | -0.010476496602786491 | 892758 | 0.16508505104406793 | 1040139 Dotation à la provision pour créances douteuses | 0 | 0 | 65000 | 0 | 0 | 0 | 222500 | 0 | 0 | 50000 | 0 | 30000 | 1.3333333333333333 | 70000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1013798 | -0.0475176711731529 | 965624.6799999999 | -0.0825323561531173 | 885929.4 | 0.1268969782580867 | 998351.1638099998 | 866889 | -0.016932963735841612 | 852210 | 0.012377230964198965 | 862758 | 0.1244624796292819 | 970139 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 344491 | 0.0017823397418219925 | 345105 | 0.02828414540502166 | 354866 | 0.342401920725006 | 476372.8 | 307477 | 0.09524614849240756 | 336763 | 0.008736114121800791 | 339705 | 0.19047703154207327 | 404411 Frais de locaux | 29203 | -0.13930075677156456 | 25135 | 0.03799482792918241 | 26090 | 0.1176159448064392 | 29158.6 | 23891 | 0.007031936712569587 | 24059 | 0.007564736688972942 | 24241 | 0.06814900375397055 | 25893 Amortissement | 25356 | -0.018772677078403535 | 24880 | -0.0927652733118971 | 22572 | 0.019404572036150983 | 23010 | 31573 | -0.035441674848763184 | 30454 | 0.04147238458002233 | 31717 | -0.08008323611943122 | 29177 Autres dépenses d'exploitation | 132869 | 0.12829930232033054 | 149916 | 0.24334960911443743 | 186398 | 0.5232165044689321 | 283924.51 | 142091 | -0.044985255927539394 | 135699 | -0.0015622812253590667 | 135487 | 0.3762870238473064 | 186469 531919 | 0.02465976962657848 | 545036 | 0.08236153208228447 | 589926 | 0.37723360218061236 | 812465.9099999999 | 505032 | 0.04344873196153907 | 526975 | 0.007922576972342141 | 531150 | 0.21613480184505318 | 645950 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 481879 | -0.12719026975651576 | 420588.67999999993 | -0.29621643644807544 | 296003.4 | -0.3720164909930092 | 185885.2538099999 | 361857 | -0.10120572491343266 | 325235 | 0.019595062032069118 | 331608 | -0.022372801621191287 | 324189 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 481879 | -0.12719026975651576 | 420588.67999999993 | -0.29621643644807544 | 296003.4 | -0.3720164909930092 | 185885.2538099999 | 361857 | -0.10120572491343266 | 325235 | 0.019595062032069118 | 331608 | -0.022372801621191287 | 324189 0 | 0 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 (oct.18 - sept. 19) | 2018 (oct.17 - sept. 18) | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 392509 | 0.04593480444798559 | 375271 | 420967.68 | 0.19364196498192385 | 352675 | 372708 | 0.046482831816663066 | 356153 | 495302.80381 | 0.2167479476798888 | 407071 | 1681487.48381 | 0.1276296356619298 | 1491170 | 1491170 Intérêts sur bons B.R.H. | 296394 | 0.1402400553973994 | 259940 | 216061 | -0.295610217288539 | 306735 | 92159 | -0.691274111096967 | 298514 | 34525 | -0.8936985812108971 | 324784 | 639139 | -0.46289621697299016 | 1189973 | 1189973 Autres | 212638 | 1.111095667368254 | 100724 | 296324 | 2.3643361565884784 | 88078 | 406215 | 2.0712903177027417 | 132262 | 682046.2 | 3.848796058665036 | 140663 | 1597223.2 | 2.4592371682834226 | 461727 | 461727 901541 | 0.22502802557291066 | 735935 | 933352.6799999999 | 0.24865239308189555 | 747488 | 871082 | 0.1069384912743081 | 786929 | 1211874.00381 | 0.3889386852878679 | 872518 | 3917849.6838100003 | 0.24658343609821606 | 3142870 | 3142870 Dépenses d'intérêt | 148449 | 0.7887792358023352 | 82989 | 147131 | 0.57551453108603 | 93386 | 174936.6 | 0.5477964662059935 | 113023 | 225861.83999999997 | 0.904930039555694 | 118567 | 696378.44 | 0.7069563320382874 | 407965 | 407965 753092 | 0.15337562371160862 | 652946 | 786221.6799999999 | 0.20198635686788902 | 654102 | 696145.4 | 0.03300074491101136 | 673906 | 986012.1638099999 | 0.3077934292944766 | 753951 | 3221471.2438100004 | 0.17790974231646084 | 2734905 | 2734905 AUTRES REVENUS Commissions | 158208 | 0.09416085149350245 | 144593 | 172535 | 0.11185219554318267 | 155178 | 139648 | 0.015156691843010111 | 137563 | 154214 | -0.02318923198733175 | 157875 | 624605 | 0.04938769407048617 | 595209 | 595209 Gains sur change | 64187 | 0.05774269564787502 | 60683 | 60869 | -0.10728323360319136 | 68184 | 37644 | -0.37299710183550416 | 60038 | 38223 | -0.5513627080447898 | 85198 | 200923 | -0.26697993090188726 | 274103 | 274103 Autres | 38311 | 3.4203299873081803 | 8667 | 10999 | -0.555524125111129 | 24746 | 12492 | -0.4121688391134535 | 21251 | 42402 | -0.016537168038965558 | 43115 | 104204 | 0.06570940590515346 | 97779 | 97779 260706 | 0.21857691067246884 | 213943 | 244403 | -0.014933013042707208 | 248108 | 189784 | -0.1328203534808912 | 218852 | 234839 | -0.17942401498315794 | 286188 | 929732 | -0.03863028401670577 | 967091 | 967091 PRODUIT NET BANCAIRE | 1013798 | 0.16946690983505386 | 866889 | 1030624.6799999999 | 0.14233347003469252 | 902210 | 885929.4 | -0.007648881331783055 | 892758 | 1220851.1638099998 | 0.17373847515572421 | 1040139 | 4151203.2438100004 | 0.12134190415386736 | 3701996 | 3701996 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 65000 | 0.3 | 50000 | 0 | -1 | 30000 | 222500 | 2.1785714285714284 | 70000 | 287500 | 0.9166666666666666 | 150000 | 150000 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1013798 | 0.16946690983505386 | 866889 | 965624.6799999999 | 0.1330830194435643 | 852210 | 885929.4 | 0.026857357451336324 | 862758 | 998351.1638099998 | 0.029080537747683398 | 970139 | 3863703.2438100004 | 0.08775551656308182 | 3551996 | 3551996 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 344491 | 0.12037973572007012 | 307477 | 345105 | 0.024771129845024543 | 336763 | 354866 | 0.04462989947160036 | 339705 | 476372.8 | 0.17794224192714833 | 404411 | 1520834.8 | 0.09542134726251772 | 1388356 | 1388356 Frais de locaux | 29203 | 0.22234314176886694 | 23891 | 25135 | 0.044723388337004864 | 24059 | 26090 | 0.07627573119920796 | 24241 | 29158.6 | 0.12611902830880928 | 25893 | 109586.6 | 0.11727294971656953 | 98084 | 98084 Amortissement | 25356 | -0.1969087511481329 | 31573 | 24880 | -0.18303014382347146 | 30454 | 22572 | -0.2883311788630703 | 31717 | 23010 | -0.21136511635877575 | 29177 | 95818 | -0.22049120980141718 | 122921 | 122921 Autres dépenses d'exploitation | 132869 | -0.06490206980033922 | 142091 | 149916 | 0.10476864236287665 | 135699 | 186398 | 0.37576298833098376 | 135487 | 283924.51 | 0.5226365240334855 | 186469 | 753107.51 | 0.2557107675582663 | 599746 | 599746 531919 | 0.053238210648038145 | 505032 | 545036 | 0.034272973101190755 | 526975 | 589926 | 0.1106580062129342 | 531150 | 812465.9099999999 | 0.2577845189256133 | 645950 | 2479346.91 | 0.12232993241160349 | 2209107 | 2209107 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 481879 | 0.3316835103369563 | 361857 | 420588.67999999993 | 0.2931839439174749 | 325235 | 296003.4 | -0.10736954476369683 | 331608 | 185885.2538099999 | -0.42661455567585604 | 324189 | 1384356.3338100002 | 0.030879196873308378 | 1342889 | 1342889 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 481879 | 0.3316835103369563 | 361857 | 420588.67999999993 | 0.2931839439174749 | 325235 | 296003.4 | -0.10736954476369683 | 331608 | 185885.2538099999 | -0.42661455567585604 | 324189 | 1384356.3338100002 | 0.030879196873308378 | 1342889 | 1342889 [BNCVARAN ] BANQUE NATIONALE DE CRÉDIT (BNC) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2019 | Var. | 2018 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1681487.48381 | 0.1276296356619298 | 1491170 | 1491170 | 0.15013075435141593 | 1296522.15138 | 0.18085607672657258 | 1097951.03479 | 0.1808670833031723 | 929783.7583199999 Intérêts sur Bons B.R.H. | 639139 | -0.46289621697299016 | 1189973 | 1189973 | 0.2910837681422053 | 921685.35409 | -0.051647471411928936 | 971880.5257600001 | 1.5290911015086615 | 384280.55247999995 Autres | 1597223.2 | 2.4592371682834226 | 461727 | 461727 | 0.1576097052476161 | 398862.4127 | 0.31777294164141995 | 302679.16429000004 | -0.1744992189192889 | 366661.26941 3917849.6838100003 | 0.24658343609821606 | 3142870 | 3142870 | 0.20091174415304425 | 2617069.9181700004 | 0.10308033205898068 | 2372510.7248400003 | 0.41159910503864927 | 1680725.5802099998 Dépenses d'intérêt | 696378.44 | 0.7069563320382874 | 407965 | 407965 | 0.38987914880045077 | 293525.52008 | 0.444487151112784 | 203203.96748 | 0.2797427086266379 | 158785.016793 3221471.2438100004 | 0.17790974231646084 | 2734905 | 2734905 | 0.17704012983274448 | 2323544.3980900003 | 0.07109996786148585 | 2169306.75736 | 0.42535576585826707 | 1521940.5634169998 AUTRES REVENUS Commissions | 624605 | 0.04938769407048617 | 595209 | 595209 | 0.08211293937479638 | 550043.32574 | 0.057753863971323864 | 520010.69859000004 | 0.25886660703561154 | 413078.47526000004 Gains sur change | 200923 | -0.26697993090188726 | 274103 | 274103 | 0.2761817335768432 | 214783.67288 | 0.5592035581931355 | 137752.16952999998 | 0.46206359153301096 | 94217.63206999999 Autres | 104204 | 0.06570940590515346 | 97779 | 97779 | 1.0684217840628938 | 47272.27336 | -0.3681832848162464 | 74819.59914 | 0.7400452289016681 | 42998.65193 929732 | -0.03863028401670577 | 967091 | 967091 | 0.19085317936822027 | 812099.27198 | 0.1085431446611166 | 732582.4672600001 | 0.3312546683983115 | 550294.7592600001 PRODUIT NET BANCAIRE | 4151203.2438100004 | 0.12134190415386736 | 3701996 | 3701996 | 0.1806175667649624 | 3135643.67007 | 0.08055250471547874 | 2901889.2246200005 | 0.40036664410836265 | 2072235.322677 Dotation à la provision pour créances douteuses | 287500 | 0.9166666666666666 | 150000 | 150000 | 0.15384615384615385 | 130000 | -0.03910807587198203 | 135290.9695 | -0.03454492878073295 | 140131.813 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 3863703.2438100004 | 0.08775551656308182 | 3551996 | 3551996 | 0.18177548302566277 | 3005643.67007 | 0.08640409373049038 | 2766598.2551200003 | 0.43190995785857633 | 1932103.5096769999 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1520834.8 | 0.09542134726251772 | 1388356 | 1388356 | 0.1095442826998849 | 1251284.89385 | 0.08939081684258028 | 1148609.7317000001 | 0.22152616931562072 | 940307.10152 Frais de locaux | 109586.6 | 0.11727294971656953 | 98084 | 98084 | 0.11168062975876666 | 88230.37604 | 0.12516865226492765 | 78415.24545 | 0.004908191789749429 | 78032.24820999999 Amortissement | 95818 | -0.22049120980141718 | 122921 | 122921 | 0.19460679510633305 | 102896.61879000001 | 0.12800931424279097 | 91219.6535 | 0.15086434651425443 | 79261.86416 Autres dépenses d'exploitation | 753107.51 | 0.2557107675582663 | 599746 | 599746 | 0.3050765830527918 | 459548.51063000003 | 0.1553354498745458 | 397761.97526 | 0.23088335675192087 | 323151.6399 2479346.91 | 0.12232993241160349 | 2209107 | 2209107 | 0.16148948253676967 | 1901960.3993100002 | 0.10836426430968696 | 1716006.6059100002 | 0.20781499845830415 | 1420752.85379 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1384356.3338100002 | 0.030879196873308378 | 1342889 | 1342889 | 0.2167340355492409 | 1103683.2707599998 | 0.050534973878692255 | 1050591.6492100002 | 1.0545424888281827 | 511350.6558869998 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 1384356.3338100002 | 0.030879196873308378 | 1342889 | 1342889 | 0.2167340355492409 | 1103683.2707599998 | 0.050534973878692255 | 1050591.6492100002 | 1.0545424888281827 | 511350.6558869998 [bphinfin ] BANQUE POPULAIRE HAÏTIENNE (BPH) INDICATEURS FINANCIERS Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 3930598.66138 | 0.007728700451786764 | 3960977.08103 | 0.1254001580768648 | 4457684.2331300005 | 0.07589593671879404 | 4796004.353600001 | 0.37836425527926065 | 3479489.7903299998 | 0.05596887608644487 | 3295068.5092399996 | -0.11066023112967532 | 3705072.71189 | 0.20398669111491968 | 3077336.9334 Bons B.R.H. | 751000 | -0.24766977363515313 | 565000 | -0.24601769911504426 | 426000 | 0.2676056338028169 | 540000 | -0.2894736842105263 | 760000 | 1.0994475138121547 | 362000 | -0.3038461538461538 | 520000 | 9.4 | 50000 Prêts nets | 730501.51751 | -0.011101060429883378 | 722392.17602 | 0.07970178436484894 | 779968.12146 | -0.057437916701185976 | 735168.3774700001 | 0.0907127934329119 | 674025.62975 | -0.04210354442609281 | 703651.8674100001 | -0.35051526793545307 | 1083400.16735 | 0.35712160383677005 | 798307.36191 Dépôts | 3552634.04042 | 0.011914644029869076 | 3594962.41038 | 0.13180543935087047 | 4068798.01033 | -0.0014053954989857312 | 4063079.73992 | 0.3073311424728687 | 3107919.33881 | 0.09016489440180193 | 2850870.86804 | -0.15105862835716913 | 3358148.11631 | 0.2606775603989303 | 2663764.48808 Avoir des Actionnaires | -36538.99879999994 | -0.019343576540472036 | -37245.79371999996 | -0.18141834084130828 | -44002.86381999997 | 0.015815218137772903 | -43306.948929999955 | -0.016855734175009473 | -42589.07873999997 | -0.0882425974709309 | -46710.97664999997 | -2.589688740393656 | -13012.542320000008 | -1.1912782716272536 | 68029.38049000001 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) Résultats Revenus nets d'intérêt | 27515.180140000004 | 0.029794447790617174 | 26719.099330000005 | 25306.298734999997 | 0.12542738668941253 | 22485.94537 | 22723.630960000002 | -0.09676456763732796 | 25158.037589999996 | 39718.28198000001 | 0.5531057360196893 | 25573.4565 | 115263.39181500001 | 0.153365858079264 | 99936.53879 Autres revenus | 18516.382690000002 | 0.35959143336088856 | 13619.078669999999 | 18093.67965 | 0.4049811234912657 | 12878.236830000002 | 16965.78166 | 0.40306876225404514 | 12091.910329999999 | 11540.398140000001 | -0.43894664421689267 | 20569.163379999998 | 65116.24214 | 0.10071019528356089 | 59158.38921 Dot. à la prov. pr créances douteuses | 4376.08378 | 0.019721744701553898 | 4291.448920000001 | 4276.35762 | 0.007599506526761952 | 4244.10452 | 4495 | 0.04300146780819252 | 4309.67754 | 4478.3 | -0.4570620788790996 | 8248.27264 | 17625.7414 | -0.16439953658111164 | 21093.50362 Dépenses d'exploitation | 35605.39911 | 0.06665843876450783 | 33380.319149999996 | 39830.41568 | 0.24060556235313055 | 32105.62397 | 41951.48272 | 0.2979501244628143 | 32321.336489999998 | 46084.465229999994 | 0.27756015334610057 | 36072.24686 | 163471.76273999998 | 0.22103630816644013 | 133879.52646999998 Bénéfice (perte) net | 6050.0799400000105 | 1.2689984281599218 | 2666.4099300000016 | -706.7949150000059 | 0.2828394544511887 | -985.5462899999984 | -6757.070099999997 | -11.917272763978128 | 618.9338899999966 | 695.9148900000073 | -0.618069949582028 | 1822.1003800000035 | -717.8701849999488 | -1.174160107958604 | 4121.897910000029 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) | 2018 | 2017 | 2016 | 2015 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | -0.009296039089162924 | -0.013008901344112313 | -0.009403183345437252 | -0.013649500292432745 | -0.009871238409613188 | -0.01368523975800011 | -0.00902979766844721 | -0.012240035553017318 | -0.00902979766844721 | -0.012240035553017318 | -0.012240035553017318 | -0.014176025936642439 | -0.0035120882454590645 | 0.022106575250711222 Dépôts en % de l'actif | 0.9038404442881228 | 0.8741985332084818 | 0.9075948526935624 | 0.8730197128235888 | 0.9127604822455222 | 0.8816462756266215 | 0.8471801608916704 | 0.8932112252340423 | 0.8471801608916704 | 0.8932112252340423 | 0.8932112252340423 | 0.8651932000945095 | 0.9063649697166052 | 0.8656070315761414 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.6613982938221991 | 0.5186835549188813 | 0.6927974243788257 | 0.5954720284473068 | 0.7063589473168886 | 0.6195230682424012 | 0.7961267802538988 | 0.6268121401473538 | 0.7961267802538988 | 0.6268121401473538 | 0.6268121401473538 | 0.686357207129491 | 0.37719075218008336 | 0.39744535391982855 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.7072635588511462 | 0.9130039056197421 | 0.6757052813221697 | 0.8001990402897368 | 0.6377732926295672 | 0.7811056248577318 | 0.5864595640785304 | 0.7743802133956389 | 0.5864595640785304 | 0.7743802133956389 | 0.7743802133956389 | 0.6815904003222489 | 0.8843723128116995 | 0.9454014690403388 Prêts improductifs nets en % de l'avoir des actionnaires | -7.273032414622171 | -1.3474292610189675 | -8.19282912207774 | -3.477098831297275 | -8.25337655367105 | -3.9840759145856253 | -10.483773688937786 | -4.349259319139152 | -10.483773688937786 | -4.349259319139152 | -4.349259319139152 | 6.186032494563571 | -5.448785091579863 | 0.4079155526647808 Rentabilité ROA (rendement de l'actif) | 0.006531722237246823 | 0.003192925866596893 | -0.0007165057403698273 | -0.0011794553068383748 | -0.0064210399709367155 | 0.0007566176469736218 | 0.0006016324266610527 | 0.002167658135441865 | -0.00017349300779253164 | 0.0012168757659851144 | 0.0012168757659851144 | 0.0034740274445497024 | -0.014990865276120102 | -0.008499648430098653 ROE (rendement avoir des action.) | -0.6116746548724522 | -0.23504106358588853 | 0 | 0 | 0 | -0.05536001327891343 | -0.0637651020503427 | -0.16754896363016406 | 0.01671486341039895 | -0.09231568540463884 | -0.09231568540463884 | -1.4199823704637187 | -1.848055842937219 | -0.26456275726575923 Revenus nets d'intérêt en % des revenus d'intérêt | 0.6339951964672444 | 0.6359825199501048 | 0.618182892741759 | 0.598030810289222 | 0.584805888752053 | 0.624445391561287 | 0.6859355283398211 | 0.6237761660204519 | 0.6364740199698565 | 0.6211145821246524 | 0.6211145821246524 | 0.6597828653859523 | 0.6573058064314096 | 0.7487801023801958 Rendement moyen des prêts | 0.04983533894377613 | 0.06344669170150499 | 0.040084249391138374 | 0.04576778267002639 | 0.041304134025451966 | 0.050288349754839985 | 0.04254549394858834 | 0.04701723355980835 | 0.0443433210471552 | 0.051528077885118886 | 0.051528077885118886 | 0.06181483617321722 | 0.06146693783202019 | 0.0690009340555091 Rendement moyen des prêts productifs | 0.1401877250780673 | 0.1597116539790373 | 0.12410572452539662 | 0.10333415776673893 | 0.13755554355462607 | 0.12810551413661142 | 0.17058820811638975 | 0.12477193834893978 | 0.15485699467589883 | 0.1501073122869796 | 0.1501073122869796 | 0.10327540148808789 | 0.10012672542382962 | 0.11230104534300293 Rémunération moyenne des dépôts | 0.01907887892862901 | 0.021055369887113397 | 0.01749431707018162 | 0.020704457662782613 | 0.016840897903231032 | 0.021083402512938894 | 0.017890608519726865 | 0.020672517542159714 | 0.018361007040223812 | 0.02046125980401867 | 0.02046125980401867 | 0.019864949487291603 | 0.01615293422044827 | 0.010272550317016576 Dépenses d'exploitation en % du produit net bancaire | 0.7734996798065479 | 0.8275118214313001 | 0.9177519704426 | 0.9078571020935413 | 1.0569942952206883 | 0.8676880987703675 | 0.8990568060299869 | 0.781755499661932 | 0.9062650763599059 | 0.8415071941828338 | 0.8415071941828338 | 0.7914730470838941 | 1.118898252521943 | 0.9200078533327017 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 1473.0100105600004 | 1208.6345468164793 | 1372.3313323320156 | 1063.5844270676694 | 1221.212696 | 1124.526729660377 | 1577.1901575384618 | 1425.254668108108 | 1403.7325599610897 | 1219.1182222222224 | 1219.1182222222224 | 1186.4737313375795 | 924.0659584070797 | 905.1859108280255 [bphvar] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 ACTIF Disponibilités Encaisse | 171789.12006000002 | 0.7068299346174552 | 293214.81256 | 0.07639442003093336 | 315614.78811 | -0.26688493706018196 | 231381.95525 | 0.4799740873707132 | 156341.89627000003 | 0.024116348183256545 | 152660.28762000002 | 0.04097525785933789 | 146651.21622 | 0.15082594355481505 | 127431.27407000001 Avoirs à la BRH | 1036059.12276 | 0.09599707150403555 | 1135517.7644500001 | 0.4400424790113462 | 1635193.81648 | -0.08552896750861136 | 1495337.37768 | 0.5363393586368321 | 973311.89836 | -0.08443774994338872 | 1063075.61097 | -0.17749454841355675 | 1292484.57736 | -0.0561879948030547 | 1369430.10922 Avoirs à l'étranger | 420285.21962 | -0.44717590330663265 | 232343.79689 | -0.11619432354710713 | 205346.76658 | 0.7229494943236131 | 353802.10764 | 1.4681632785554968 | 143346.31372 | 0.6808706082637196 | 85280.99249 | 2.530129620467453 | 24158.03431 | -0.7518432801860956 | 97349.90988 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 83326.0472 | -0.5853589517204412 | 34550.39956 | 2.199893874686062 | 110557.61192 | -0.9442107611327284 | 6167.925020000001 | -0.7457753109329807 | 24261.7074 | -0.3900886572460364 | 39779.0723 | -0.249505709782595 | 53003.8307 | 0.8317753159698098 | 28935.770800000002 1711459.5096399998 | -0.009251014172885774 | 1695626.77346 | 0.3367994764936826 | 2266712.98309 | -0.07942056133396766 | 2086689.36559 | 0.6085337132840837 | 1297261.8157499998 | -0.0324688832745703 | 1340795.96338 | -0.11574356407909939 | 1516297.6585900001 | -0.06582854243574245 | 1623147.06397 Bons B.R.H. | 751000 | -0.24766977363515313 | 565000 | -0.24601769911504426 | 426000 | 0.2676056338028169 | 540000 | -0.2894736842105263 | 760000 | 1.0994475138121547 | 362000 | -0.3038461538461538 | 520000 | 9.4 | 50000 Bons du Trésor / M.E.F. | 139156.02476 | 1.5582444461458183 | 355995.12749 | -0.17860047051286107 | 292414.23022 | 0.40497038342117103 | 410833.33315 | 1.3190363009379276 | 177156.92203 | 0.28859662071123937 | 137480.51111 | -0.29786704682591053 | 195804.10019 | -0.22950505412274708 | 254127.68927 Autres Placements | 29050.23698 | 0.07019216715525739 | 31089.33607 | 0.12613475248138345 | 35010.78178 | 0.0031238714030224525 | 35120.15096 | 0.33630216187883694 | 26281.59406 | -0.8824324603779353 | 223544.64628999992 | 4.926235831961716 | 37721.18637 | 0.2576462950774894 | 29993.477909999987 Portefeuille net | 730501.51751 | -0.011101060429883378 | 722392.17602 | 0.07970178436484894 | 779968.12146 | -0.057437916701185976 | 735168.3774700001 | 0.0907127934329119 | 674025.62975 | -0.04210354442609281 | 703651.8674100001 | -0.35051526793545307 | 1083400.16735 | 0.35712160383677005 | 798307.36191 Immobilisations | 307608.41051 | 0.03822403750438998 | 319366.44593000005 | 0.10811700540252786 | 353895.38969 | 0.00045729897793179205 | 354057.22569 | 0.1463423695554987 | 308858.18678 | -0.01680352083258023 | 314136.79089 | -0.004005672340821829 | 315400.18067000003 | 0.042757752084870315 | 302467.35643 Autres actifs | 261822.96198 | 0.036987818053711284 | 271507.22206 | 0.11850699434761103 | 303682.72689 | 1.088152682354228 | 634135.90074 | 1.6880912871406597 | 235905.64195999998 | 0.10515808738848338 | 213458.73016 | 4.856299981071413 | 36449.41872 | 0.8891597966508309 | 19293.98391 3930598.66138 | 0.007728700451786764 | 3960977.08103 | 0.1254001580768648 | 4457684.2331300005 | 0.07589593671879404 | 4796004.353600001 | 0.37836425527926065 | 3479489.7903299998 | 0.05596887608644487 | 3295068.5092399996 | -0.11066023112967532 | 3705072.71189 | 0.20398669111491968 | 3077336.9334 PASSIF Dépôts à vue | 1653907.58055 | -0.03706968913559952 | 1592597.74068 | 0.18862925772564013 | 1893008.27036 | -0.009961997174166426 | 1874150.12732 | 0.4034938629581804 | 1335346.15062 | 0.12453651367118705 | 1187463.5766699999 | -0.2353784698363404 | 1553008.29211 | 0.08405177437392596 | 1432596.05198 Épargne | 403268.26254 | 0.045004196674663446 | 421417.02674 | 0.07552166308086936 | 453243.14145 | 0.066451554465105 | 483361.85274999996 | 0.321016720387748 | 365901.3889 | 0.11050097601271978 | 329492.18128 | -0.05695401746959905 | 349391.42669999995 | 0.11913736086227572 | 312197.0894 À terme | 1495458.1973299999 | 0.057166055047632454 | 1580947.6429599999 | 0.08956587284249666 | 1722546.59852 | -0.009856824009630897 | 1705567.75985 | 0.2124845047088198 | 1406671.79929 | 0.05454371769961506 | 1333915.11009 | -0.08369117054789674 | 1455748.3975 | 0.5841064062851917 | 918971.3467 3552634.04042 | 0.011914644029869076 | 3594962.41038 | 0.13180543935087047 | 4068798.01033 | -0.0014053954989857312 | 4063079.73992 | 0.3073311424728687 | 3107919.33881 | 0.09016489440180193 | 2850870.86804 | -0.15105862835716913 | 3358148.11631 | 0.2606775603989303 | 2663764.48808 0 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 143684.65585 | -0.04346471314598632 | 137439.4435 | 0.08551150674587826 | 149192.0974 | 0.27932626939528504 | 190865.36939 | 0.5025479212321979 | 127027.80836 | -0.18014913928422804 | 154940.14149 | -0.024350098330962487 | 158807.11024 | 0.4083054081372293 | 112764.6811 143684.65585 | -0.04346471314598632 | 137439.4435 | 0.08551150674587826 | 149192.0974 | 0.27932626939528504 | 190865.36939 | 0.5025479212321979 | 127027.80836 | -0.18014913928422804 | 154940.14149 | -0.024350098330962487 | 158807.11024 | 0.4083054081372293 | 112764.6811 Obligations à terme Banques locales | 62499.99985 | -0.20000000064000006 | 49999.99984 | -0.2500000009999999 | 37499.99983 | -0.33333333511111113 | 24999.99982 | -0.6666666684444444 | 74999.99986 | -0.40000000064 | 124999.9999 | -0.2857142860408164 | 174999.99994 | -0.22222222241975303 | 224999.99998 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 200514.28162 | 0.017580068718897744 | 204039.33647 | 0.12762211316948013 | 230079.26776 | 1.3187933748403202 | 533506.28177 | 1.6411556037587802 | 201997.29278 | -0.025811652169452113 | 207349.32134000002 | 11.802871989902734 | 16195.531869999999 | 1.3060994706606877 | 7022.91123 263014.28147 | -0.034123413792736104 | 254039.33631 | 0.05329856185530825 | 267579.26759 | 1.087255438809911 | 558506.28159 | 1.0162878715058912 | 276997.29264 | -0.16654774077311432 | 332349.32124 | 0.7382692895264475 | 191195.53181000001 | -0.17596270638569744 | 232022.91121 Autres passifs | 7804.6824400000005 | 0.5095661675633787 | 11781.68456 | 0.3680320117142908 | 16117.721629999998 | 0.6664831572723968 | 26859.91163 | 1.650362535561277 | 10134.42926 | 1.800219643528294 | 3619.1551200000004 | -0.6356981597611719 | 9934.49585 | 12.150042638215352 | 755.47252 3967137.66018 | 0.007835678323446284 | 3998222.87475 | 0.12592200034158443 | 4501687.09695 | 0.07499948315127195 | 4839311.30253 | 0.37399288386969387 | 3522078.8690700005 | 0.05395310610448091 | 3341779.4858899997 | -0.10120955884319974 | 3718085.25421 | 0.23552850243392764 | 3009307.55291 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 | 0 | 165000 Réserves | 78594.77100000001 | 0 | 78594.77100000001 | 0 | 78594.77100000001 | 0 | 78594.77100000001 | 0 | 78594.77100000001 | 0 | 78594.77100000001 | 0.21399704753574963 | 64740.496 | 1.1598513990919086 | 29974.514 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 14325 | 0 | 14325 | 0 | 14325 | 0 | 14325 | 0 | 14325 | 0 | 14325 | 0 | 14325 | 0 | 14325 BNR | -294458.76979999995 | 0.0024003187966861327 | -295165.56471999997 | 0.022892474284423744 | -301922.63482 | -0.0023049444120508042 | -301226.71992999996 | -0.002388848749782536 | -300508.84974 | -0.013530800622712518 | -304630.74765 | 0.18497382989521788 | -257078.03832 | 0.8197621247508936 | -141270.13350999999 -36538.99879999994 | 0.019343576540472036 | -37245.79371999996 | 0.18141834084130828 | -44002.86381999997 | -0.015815218137772903 | -43306.948929999955 | -0.016855734175009473 | -42589.07873999997 | -0.0882425974709309 | -46710.97664999997 | 2.589688740393656 | -13012.542320000008 | -1.1912782716272536 | 68029.38049000001 3930598.6613800004 | 0.007728700451786644 | 3960977.08103 | 0.1254001580768648 | 4457684.2331300005 | 0.07589593671879383 | 4796004.3536 | 0.37836425527926004 | 3479489.7903300007 | 0.05596887608644516 | 3295068.5092399996 | -0.11066023112967532 | 3705072.71189 | 0.20398669111491968 | 3077336.9334 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 215805.56107147303 | 254021.018081366 | 245243.60669952 | 185921.176250502 | 220689.186544052 | 196835.93807950002 | 238690.841050216 | 247743.760851782 Portefeuille brut | 1372563.06262 | -0.01046153003169902 | 1358203.95292 | 0.045061126363549114 | 1419406.15287 | -0.028442905519585827 | 1379034.11777 | 0.05287313850136827 | 1309781.84108 | -0.009386661518309436 | 1322192.81752 | -0.1866905192923645 | 1625694.58353 | 0.2712488140529212 | 1278816.99126 Provisions pour créances douteuses | 642061.54511 | -0.009733908310813355 | 635811.7769 | 0.005703345929954885 | 639438.03141 | 0.006924375267821532 | 643865.7403 | 0.012755721179718994 | 635756.21133 | 0.02783204768728483 | 618540.95011 | 0.14059988754280675 | 542294.41618 | 0.12858178703635575 | 480509.62935 Portefeuille de crédit improductif | 907810.8677802401 | 0.036515681581265697 | 940960.2003641159 | 0.06551821805895278 | 1002610.2359563679 | 0.09502771133515955 | 1097885.9920405059 | 0.33727547391449525 | 820987.158933496 | -0.09532753455144172 | 907496.5695197 | 0.47994302745767287 | 613196.962776768 | 0.20646345881648973 | 508259.871690021 [bphcomp ] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 18 | Comp. | Mars 19 | Comp. | Juin 19 | Comp. | Sept. 19 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. | 2015 | Comp. ACTIF Disponibilités Encaisse | 171789.12006000002 | 0.043705586568252255 | 293214.81256 | 0.07402587961547946 | 315614.78811 | 0.07080241031078786 | 231381.95525 | 0.048244734197607414 | 156341.89627000003 | 0.04493241989227746 | 152660.28762000002 | 0.04632992825245105 | 146651.21622 | 0.039581197893736215 | 127431.27407000001 | 0.04140959434338163 Avoirs à la BRH | 1036059.12276 | 0.2635881228322223 | 1135517.7644500001 | 0.2866761764132005 | 1635193.81648 | 0.3668258519360926 | 1495337.37768 | 0.31178816102565926 | 973311.89836 | 0.27972833863889274 | 1063075.61097 | 0.3226262543522035 | 1292484.57736 | 0.34884189268736077 | 1369430.10922 | 0.44500493084031045 Avoirs à l'étranger | 420285.21962 | 0.10692651573652177 | 232343.79689 | 0.058658202796160096 | 205346.76658 | 0.04606579466841554 | 353802.10764 | 0.07377018066600112 | 143346.31372 | 0.041197509507968647 | 85280.99249 | 0.025881401934696003 | 24158.03431 | 0.0073315726948487625 | 97349.90988 | 0.03163446576922041 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 83326.0472 | 0.02119932722175836 | 34550.39956 | 0.00872269615632707 | 110557.61192 | 0.024801579954525185 | 6167.925020000001 | 0.0012860549251524766 | 24261.7074 | 0.006972777292644099 | 39779.0723 | 0.012072305079075566 | 53003.8307 | 0.014305746424329184 | 28935.770800000002 | 0.009402860793676653 1711459.5096399998 | 0.4354195523587546 | 1695626.77346 | 0.42808295498116705 | 2266712.98309 | 0.5084956368698212 | 2086689.36559 | 0.4350891308144203 | 1297261.8157499998 | 0.37283104533178285 | 1340795.96338 | 0.4069098896184261 | 1516297.6585900001 | 0.40924909617131894 | 1623147.06397 | 0.5274518517465892 Bons B.R.H. | 751000 | 0.1910650424269799 | 565000 | 0 | 426000 | 0.0955653154689426 | 540000 | 0.11259372598247591 | 760000 | 0.218422827999711 | 362000 | 0.10986114521894857 | 520000 | 0.14034812281315312 | 50000 | 0.016247814614422942 Bons du Trésor / M.E.F. | 139156.02476 | 0.035403264680078914 | 355995.12749 | 0.08987558377829041 | 292414.23022 | 0.06559778910465332 | 410833.33315 | 0.08566158469844137 | 177156.92203 | 0.05091462619673276 | 137480.51111 | 0 | 195804.10019 | 0 | 254127.68927 | 0 Autres Placements | 29050.23698 | 0.007390791958851558 | 31089.33607 | 0.007848905821468582 | 35010.78178 | 0.007854029121173728 | 35120.15096 | 0.007322793803061904 | 26281.59406 | 0.007553289603849481 | 223544.64628999992 | 0.06784218466570215 | 37721.18637 | 0.01018095711022038 | 29993.477909999987 | 0.00974656937446939 Portefeuille net | 730501.51751 | 0.1858499379973653 | 722392.17602 | 0.1823772673363087 | 779968.12146 | 0.1749715952653602 | 735168.3774700001 | 0.15328767934044185 | 674025.62975 | 0.19371392657142253 | 703651.8674100001 | 0.21354696129589604 | 1083400.16735 | 0.29240996104428546 | 798307.36191 | 0.2594150004328544 Immobilisations | 307608.41051 | 0.07825993875497869 | 319366.44593000005 | 0.08062819839567287 | 353895.38969 | 0.07938996375288551 | 354057.22569 | 0.07382337453973238 | 308858.18678 | 0.08876536658861914 | 314136.79089 | 0.09533543536624522 | 315400.18067000003 | 0.08512658325377663 | 302467.35643 | 0.09828867068378454 Autres actifs | 261822.96198 | 0.066611471822991 | 271507.22206 | 0.06854551705444308 | 303682.72689 | 0.06812567041716336 | 634135.90074 | 0.1322217108214261 | 235905.64195999998 | 0.06779891770788221 | 213458.73016 | 0.06478127224408872 | 36449.41872 | 0.009837706721120389 | 19293.98391 | 0.006269701474866782 3930598.66138 | 1 | 3960977.08103 | 1 | 4457684.2331300005 | 1 | 4796004.353600001 | 1 | 3479489.7903299998 | 1 | 3295068.5092399996 | 1 | 3705072.71189 | 1 | 3077336.9334 | 1 PASSIF Dépôts À vue | 1653907.58055 | 0.4207775260294133 | 1592597.74068 | 0.4020719403571671 | 1893008.27036 | 0.4246618134795089 | 1874150.12732 | 0.39077323312127854 | 1335346.15062 | 0.3837764244433532 | 1187463.5766699999 | 0.3603759901623064 | 1553008.29211 | 0.4191573048286528 | 1432596.05198 | 0.46553110139850506 Épargne | 403268.26254 | 0.10259716070793551 | 421417.02674 | 0.10639219013870589 | 453243.14145 | 0.10167681642442213 | 483361.85274999996 | 0.1007842814794729 | 365901.3889 | 0.10515949491126324 | 329492.18128 | 0.09999554800030445 | 349391.42669999995 | 0.09430082858529688 | 312197.0894 | 0.10145040863467251 À terme | 1495458.1973299999 | 0.380465757550774 | 1580947.6429599999 | 0.39913072219768947 | 1722546.59852 | 0.38642185234159115 | 1705567.75985 | 0.35562264629091883 | 1406671.79929 | 0.40427530587942584 | 1333915.11009 | 0.40482166193189856 | 1455748.3975 | 0.3929068363026555 | 918971.3467 | 0.29862552154296385 3552634.04042 | 0.9038404442881228 | 3594962.41038 | 0.9075948526935624 | 4068798.01033 | 0.9127604822455222 | 4063079.73992 | 0.8471801608916704 | 3107919.33881 | 0.8932112252340423 | 2850870.86804 | 0.8651932000945095 | 3358148.11631 | 0.9063649697166052 | 2663764.48808 | 0.8656070315761414 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 143684.65585 | 0.03655541260464215 | 137439.4435 | 0.03469836878335602 | 149192.0974 | 0.03346852078287374 | 190865.36939 | 0.03979674648266983 | 127027.80836 | 0.036507596232363854 | 154940.14149 | 0.047021827028942906 | 158807.11024 | 0.04286207656070282 | 112764.6811 | 0.03664359267134645 143684.65585 | 0.03655541260464215 | 137439.4435 | 0.03469836878335602 | 149192.0974 | 0.03346852078287374 | 190865.36939 | 0.03979674648266983 | 127027.80836 | 0.036507596232363854 | 154940.14149 | 0.047021827028942906 | 158807.11024 | 0.04286207656070282 | 112764.6811 | 0.03664359267134645 Obligations à terme Banques locales | 62499.99985 | 0.015900885649835533 | 49999.99984 | 0.012623147980194361 | 37499.99983 | 0.008412439703847991 | 24999.99982 | 0.005212672461657458 | 74999.99986 | 0.02155488430184096 | 124999.9999 | 0.03793547829111176 | 174999.99994 | 0.0472325413151556 | 224999.99998 | 0.07311516575840411 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 200514.28162 | 0.05101367473360944 | 204039.33647 | 0.051512374925669166 | 230079.26776 | 0.05161407935762374 | 533506.28177 | 0.11123974092507585 | 201997.29278 | 0.05805371044380684 | 207349.32134000002 | 0.06292716547730436 | 16195.531869999999 | 0.004371177876759799 | 7022.91123 | 0.00228213919437178 263014.28147 | 0.06691456038344497 | 254039.33631 | 0.06413552290586352 | 267579.26759 | 0.06002651906147174 | 558506.28159 | 0.11645241338673332 | 276997.29264 | 0.0796085947456478 | 332349.32124 | 0.10086264376841611 | 191195.53181000001 | 0.0516037191919154 | 232022.91121 | 0.07539730495277588 Autres passifs | 7804.6824400000005 | 0.0019856218129530026 | 11781.68456 | 0.002974438962655226 | 16117.721629999998 | 0.0036157163197454217 | 26859.91163 | 0.005600476907373589 | 10134.42926 | 0.0029126193409634454 | 3619.1551200000004 | 0.001098355044774092 | 9934.49585 | 0.0026813227762356923 | 755.47252 | 0.00024549554902501857 3967137.66018 | 1.009296039089163 | 3998222.87475 | 1.0094031833454373 | 4501687.09695 | 1.0098712384096131 | 4839311.30253 | 1.009029797668447 | 3522078.8690700005 | 1.0122400355530174 | 3341779.4858899997 | 1.0141760259366426 | 3718085.25421 | 1.0035120882454591 | 3009307.55291 | 0.9778934247492889 AVOIR DES ACTIONNAIRES Capital versé | 165000 | 0.04197833821631382 | 165000 | 0.041656388467941834 | 165000 | 0.037014734864731294 | 165000 | 0.034403638494645415 | 165000 | 0.04742074555256883 | 165000 | 0.05007483138432739 | 165000 | 0.0445335389695582 | 165000 | 0.05361778822759571 Réserves | 78594.77100000001 | 0.01999562350952566 | 78594.77100000001 | 0.019842268559545028 | 78594.77100000001 | 0.01763130066860165 | 78594.77100000001 | 0.01638755205486934 | 78594.77100000001 | 0.0225880159839601 | 78594.77100000001 | 0.023852241851604998 | 64740.496 | 0.017473475160754707 | 29974.514 | 0.009740406932588501 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 14325 | 0.0036444829996890634 | 14325 | 0.0036165319078985867 | 14325 | 0.003213551981438035 | 14325 | 0.002986861342035125 | 14325 | 0.004116982909336658 | 14325 | 0.0043474058156393325 | 14325 | 0.0038663208832661893 | 14325 | 0.004654998887032173 BNR | -294458.76979999995 | -0.07491448381469147 | -295165.56471999997 | -0.0745183722808227 | -301922.63482 | -0.06773082592438416 | -301226.71992999996 | -0.06280784955999709 | -300508.84974 | -0.08636577999888291 | -304630.74765 | -0.09245050498821417 | -257078.03832 | -0.06938542325903815 | -141270.13350999999 | -0.04590661879650516 -36538.99879999994 | -0.009296039089162924 | -37245.79371999996 | -0.009403183345437252 | -44002.86381999997 | -0.009871238409613188 | -43306.948929999955 | -0.00902979766844721 | -42589.07873999997 | -0.012240035553017318 | -46710.97664999997 | -0.014176025936642439 | -13012.542320000008 | -0.0035120882454590645 | 68029.38049000001 | 0.022106575250711222 3930598.6613800004 | 1.0000000000000002 | 3960977.08103 | 1 | 4457684.2331300005 | 1 | 4796004.3536 | 0.9999999999999998 | 3479489.7903300007 | 1.0000000000000002 | 3295068.5092399996 | 1 | 3705072.71189 | 1 | 3077336.9334 | 1 [bphgdes&$] BANQUE POPULAIRE HAÏTIENNE (BPH) BILAN DEVISES ET GOURDES (En milliers de gourdes) Septembre 19 | Septembre 18 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 134032.44975 | 97349.5055 | 231381.95525 | 0.5792692416536228 | 81403.35327 | 74938.543 | 156341.89627000003 | 0.5206752330125105 Avoirs à la BRH | 912569.59153 | 582767.78615 | 1495337.37768 | 0.6102767209269135 | 526482.12964 | 446829.76872 | 973311.89836 | 0.540918209802126 Avoirs à l'étranger | 353802.10764 | 0 | 353802.10764 | 1 | 143346.31372 | 0 | 143346.31372 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 1498.75149 | 4669.17353 | 6167.925020000001 | 0.2429911980350241 | 7760.80226 | 16500.90514 | 24261.7074 | 0.3198786520688153 1401902.90041 | 684786.46518 | 2086689.36559 | 0.6718311424439639 | 758992.59889 | 538269.21686 | 1297261.81575 | 0.5850727969289649 Bons B.R.H. | 0 | 540000 | 540000 | 0 | 0 | 760000 | 760000 | 0 Bons du Trésor / M.E.F. | 410833.33315 | 410833.33315 | 0 | 177156.92203 | 177156.92203 | 0 Autres Placements | 35120.15096 | 0 | 35120.15096 | 1 | 26281.59406 | 0 | 26281.59406 | 1 Portefeuille net | 719700.4525 | 15467.924970000051 | 735168.3774700001 | 0.9789600240651928 | 623043.94045 | 50981.68929999997 | 674025.62975 | 0.9243623876455419 Immobilisations | 0 | 354057.22569 | 354057.22569 | 0 | 0 | 308858.18678 | 308858.18678 | 0 Autres actifs | 564441.09798 | 69694.80275999999 | 634135.90074 | 0.8900948476838006 | 216549.9851 | 19355.656860000003 | 235905.64195999998 | 0.9179517000984575 2721164.60185 | 2074839.7517500003 | 4796004.353600001 | 0.5673815954331705 | 1624868.1185 | 1854621.67183 | 3479489.79033 | 0.4669845915386046 PASSIF Dépôts À vue | 1342143.20484 | 532006.92248 | 1874150.12732 | 0.7161343081726542 | 669222.40162 | 666123.749 | 1335346.15062 | 0.5011602432143012 Épargne | 254214.5293 | 229147.32345 | 483361.85274999996 | 0.5259300622374156 | 150217.94652 | 215683.44238 | 365901.3889 | 0.4105421599289261 À terme | 1051122.04166 | 654445.71819 | 1705567.75985 | 0.6162886438193715 | 781125.98285 | 625545.81644 | 1406671.79929 | 0.5553008052370593 2647479.7758 | 1415599.9641200001 | 4063079.73992 | 0.6515943435193638 | 1600566.3309900002 | 1507353.00782 | 3107919.33881 | 0.5149960975508603 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 70498.37067 | 120366.99872 | 190865.36939 | 0.369361770002126 | 22713.27359 | 104314.53477 | 127027.80836 | 0.17880552206041384 70498.37067 | 120366.99872 | 190865.36939 | 0.369361770002126 | 22713.27359 | 104314.53477 | 127027.80836 | 0.17880552206041384 Obligations à terme Banques locales | 0 | 24999.99982 | 24999.99982 | 0 | 0 | 74999.99986 | 74999.99986 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5598.972 | 527907.30977 | 533506.28177 | 0.01049466930628152 | 0 | 201997.29278 | 201997.29278 | 0 5598.972 | 552907.3095900001 | 558506.28159 | 0.010024904257227693 | 0 | 276997.29264 | 276997.29264 | 0 Autres passifs | 265.12252 | 26594.789109999998 | 26859.91163 | 0.00987056560915424 | 141.86238 | 9992.56688 | 10134.42926 | 0.01399806307395351 2723842.2409900003 | 2115469.06154 | 4839311.30253 | 0.5628574131128888 | 1623421.4669600003 | 1898657.40211 | 3522078.86907 | 0.4609270624847372 AVOIR DES ACTIONNAIRES Capital versé | 0 | 165000 | 165000 | 0 | 0 | 165000 | 165000 | 0 Réserves | 0 | 78594.77100000001 | 78594.77100000001 | 0 | 0 | 78594.77100000001 | 78594.77100000001 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 14325 | 14325 | 0 | 0 | 14325 | 14325 | 0 BNR | 0 | -301226.71992999996 | -301226.71992999996 | 0 | 0 | -300508.84974 | -300508.84974 | 0 0 | -43306.948929999955 | -43306.948929999955 | 0 | 0 | -42589.07873999997 | -42589.07873999997 0 2723842.2409900003 | 2072162.1126100002 | 4796004.353600001 | 0.5679399016694837 | 1623421.4669600003 | 1856068.3233699999 | 3479489.79033 | 0.46656882611689815 *Converties au taux de 93.3162 gdes | *Converties au taux de 69.9774 Gdes [BPHRÉSULT ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2019 | 2018 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 16709.44593 | -0.18114620213502206 | 13682.59326 | 0.04810888093299939 | 14340.84751 | 0.03777882999050189 | 14882.627950000002 | 20916.83396 | -0.2803313881638711 | 15053.188859999998 | 0.09440325124572978 | 16474.25883 | -0.06727118296708222 | 15366.015949999999 Intérêts sur Bons B.R.H. | 21672.39561 | -0.12004175619605167 | 19070.80318 | -0.28594623669122254 | 13617.57878 | 0.4093268854949853 | 19191.61989 | 15074.746920000001 | 0.3378594060005618 | 20167.89196 | 0.08222651347444043 | 21826.2274 | 0.07439585917628626 | 23450.00834 Autres | 5017.82504 | 0.6308245215341347 | 8183.19212 | 0.3317884219489644 | 10898.28052 | 1.1865434887888169 | 23829.56431 | 6020.736269999999 | -0.6048826632959293 | 2378.89728 | -0.16426615948713852 | 1988.12496 | 0.09740855021507303 | 2181.78533 43399.666580000005 | -0.05675338577681782 | 40936.58856 | -0.050807402941052335 | 38856.70681 | 0.49018835881115164 | 57903.812150000005 | 0 | 42012.31715 | -0.1050248914918515 | 37599.9781 | 0.07150624085070932 | 40288.611189999996 | 0.01760295053744701 | 40997.80962 Dépenses d'intérêt | 15884.48644 | -0.016002822373903623 | 15630.289825 | 0.032167415360130805 | 16133.075850000001 | 0.1272202733739702 | 18185.530169999998 | 15293.21782 | -0.011716637538874789 | 15114.032729999999 | 0.0010944048021788771 | 15130.5736 | 0.01941628438990587 | 15424.353120000002 27515.180140000004 | -0.08027864596055692 | 25306.298734999997 | -0.10205632210561173 | 22723.630960000002 | 0.7478844842144894 | 39718.28198000001 | 26719.099330000005 | -0.15843176103047193 | 22485.94537 | 0.11883388383416653 | 25158.037589999996 | 0.016512373372282733 | 25573.4565 AUTRES REVENUS Commissions | 5244.3247200000005 | 0.2744097813988908 | 6683.41872 | -0.06923840617904613 | 6220.669459999999 | -0.12835602102542815 | 5422.2090800000005 | 5431.003409999999 | -0.03346252179944769 | 5249.26834 | 0.016757676365998113 | 5337.23388 | 0.07197202120735997 | 5721.36539 Gains sur change | 11624.646270000001 | -0.19084674823400033 | 9406.12033 | -0.10305207311758897 | 8436.80013 | -0.44886672691628643 | 4649.80127 | 5662.162780000001 | 0.16854344127492576 | 6616.483180000001 | -0.15286979237813167 | 5605.0227700000005 | -0.049866141756994324 | 5325.5219099999995 Autres | 1647.4117 | 0.21653901086170496 | 2004.1406 | 0.1517715224171398 | 2308.31207 | -0.36386946588205454 | 1468.3877900000002 | 2525.91248 | -0.5991605734494807 | 1012.48531 | 0.13547689891915554 | 1149.65368 | 7.282734397022938 | 9522.27608 18516.382690000002 | -0.022828597090310185 | 18093.67965 | -0.06233657342330573 | 16965.78166 | -0.31978388197647 | 11540.398140000001 | 13619.078669999999 | -0.05439735373817305 | 12878.236830000002 | -0.06105855253168246 | 12091.910329999999 | 0.7010681371799422 | 20569.163379999998 PRODUIT NET BANCAIRE | 46031.56283000001 | -0.05716913098776956 | 43399.978384999995 | -0.08549694960867646 | 39689.41262 | 0.2914950546325319 | 51258.680120000005 | 40338.178 | -0.12330739876253204 | 35364.1822 | 0.05332417159642358 | 37249.94791999999 | 0.23872978236367987 | 46142.61988 Dotation à la provision pour créances douteuses | 4376.08378 | -0.022788905563412263 | 4276.35762 | 0.051128179499636946 | 4495 | -0.0037152391546162 | 4478.3 | 4291.448920000001 | -0.011032264599342092 | 4244.10452 | 0.015450378210760892 | 4309.67754 | 0.9138955440271757 | 8248.27264 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 41655.47905000001 | -0.060780918686854375 | 39123.62076499999 | -0.1004305856199041 | 35194.41262 | 0.3291990585294217 | 46780.38012 | 36046.72908 | -0.1366740207985605 | 31120.077680000002 | 0.05848933665001032 | 32940.270379999994 | 0.15039575579828648 | 37894.34724 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 19801.63016 | 0.08029265606685779 | 21391.55564 | -0.0381076329238859 | 20576.374089999998 | -0.0274220869785907 | 20012.126969999998 | 19744.385889999998 | -0.018423454749445227 | 19380.626089999998 | -0.03190471593273488 | 18762.292719999998 | 0.23465736068102455 | 23165.002809999998 Frais de locaux | 3653.83424 | 0.1109286501185123 | 4059.1491400000004 | 0.1839383758143953 | 4805.78244 | 0.1255369312972894 | 5409.08562 | 3283.65989 | 0.006086315474042541 | 3303.6452799999997 | 0.032295458790902766 | 3410.33802 | 0.03638082479577784 | 3534.40893 Amortissement | 1890.98002 | -0.07378037764777662 | 1751.4627999999998 | 0.45843914012903964 | 2554.4019 | 0.3568726362128059 | 3465.99804 | 2186.3417499999996 | 0.012993087654297623 | 2214.74908 | -0.06160379576723869 | 2078.3121300000003 | -0.05396658104478282 | 1966.15273 Autres dépenses d'exploitation | 10258.95469 | 0.23094881316802057 | 12628.248099999999 | 0.10980748707336532 | 14014.924289999999 | 0.22706724946567666 | 17197.2546 | 8165.931619999999 | -0.1174793207489533 | 7206.60352 | 0.11986091611711133 | 8070.393619999999 | -0.08224025509179551 | 7406.68239 35605.39911 | 0.11866224436769135 | 39830.41568 | 0.0532524454939357 | 41951.48272 | 0.0985181510170946 | 46084.465229999994 | 33380.319149999996 | -0.038187027939186 | 32105.62397 | 0.006718839048310118 | 32321.336489999998 | 0.11605059621097376 | 36072.24686 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 6050.0799400000105 | -1.1168240621627232 | -706.7949150000059 | -8.560156640345864 | -6757.070099999997 | 1.1029906275502466 | 695.9148900000073 | 2666.4099300000016 | -1.3696154439388837 | -985.5462899999984 | 1.6280109785609336 | 618.9338899999966 | 1.9439337697278356 | 1822.1003800000035 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 6050.0799400000105 | -1.1168240621627232 | -706.7949150000059 | -8.560156640345864 | -6757.070099999997 | 1.1029906275502466 | 695.9148900000073 | 2666.4099300000016 | -1.3696154439388837 | -985.5462899999984 | 1.6280109785609336 | 618.9338899999966 | 1.9439337697278356 | 1822.1003800000035 0 | 0 | 0 0 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 (oct.18 - sept. 19) | 2018 (oct.17 - sept. 18) | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 16709.44593 | -0.20114841653597934 | 20916.83396 | 13682.59326 | -0.09105018297099866 | 15053.188859999998 | 14340.84751 | -0.12949968444801954 | 16474.25883 | 14882.627950000002 | -0.0314582518704204 | 15366.015949999999 | 59615.514650000005 | -0.12084865042680461 | 67810.29759999999 | 67810.29759999999 Intérêts sur Bons B.R.H. | 21672.39561 | 0.43766231864541294 | 15074.746920000001 | 19070.80318 | -0.054397791409033405 | 20167.89196 | 13617.57878 | -0.37609104265082477 | 21826.2274 | 19191.61989 | -0.1815943256078176 | 23450.00834 | 73552.39746 | -0.08651980287699666 | 80518.87462 | 80518.87462 Autres | 5017.82504 | -0.16657617690336066 | 6020.736269999999 | 8183.19212 | 2.439909822419907 | 2378.89728 | 10898.28052 | 4.481687891489476 | 1988.12496 | 23829.56431 | 9.92204809627169 | 2181.78533 | 47928.861990000005 | 2.8130947789430683 | 12569.54384 | 12569.54384 43399.666580000005 | 0.03302244494267324 | 42012.31715 | 40936.58856 | 0.08873969157976706 | 37599.9781 | 38856.70681 | -0.035541170015694276 | 40288.611189999996 | 57903.812150000005 | 0.41236355519229334 | 40997.80962 | 181096.7741 | 0.12553274839351755 | 160898.71606 | 160898.71606 Dépenses d'intérêt | 15884.48644 | 0.0386621459891036 | 15293.21782 | 15630.289825 | 0.034157468375417555 | 15114.032729999999 | 16133.075850000001 | 0.06625672472853253 | 15130.5736 | 18185.530169999998 | 0.17901412321919122 | 15424.353120000002 | 65833.382285 | 0.07990536482031393 | 60962.17727 | 60962.17727 27515.180140000004 | 0.029794447790617174 | 26719.099330000005 | 25306.298734999997 | 0.12542738668941253 | 22485.94537 | 22723.630960000002 | -0.09676456763732796 | 25158.037589999996 | 39718.28198000001 | 0.5531057360196893 | 25573.4565 | 115263.39181500001 | 0.153365858079264 | 99936.53879 | 99936.53879 AUTRES REVENUS Commissions | 5244.3247200000005 | -0.034372780848612804 | 5431.003409999999 | 6683.41872 | 0.2732095764797576 | 5249.26834 | 6220.669459999999 | 0.16552311550566703 | 5337.23388 | 5422.2090800000005 | -0.052287572914478615 | 5721.36539 | 23570.62198 | 0.08426154965981307 | 21738.87102 | 21738.87102 Gains sur change | 11624.646270000001 | 1.0530399286754522 | 5662.162780000001 | 9406.12033 | 0.421619321640896 | 6616.483180000001 | 8436.80013 | 0.505221383783959 | 5605.0227700000005 | 4649.80127 | -0.12688345882704286 | 5325.5219099999995 | 34117.368 | 0.46999387135888515 | 23209.19064 | 23209.19064 Autres | 1647.4117 | -0.34779541530275027 | 2525.91248 | 2004.1406 | 0.9794268422521606 | 1012.48531 | 2308.31207 | 1.0078325413614995 | 1149.65368 | 1468.3877900000002 | -0.8457944531681757 | 9522.27608 | 7428.25216 | -0.47726383266936023 | 14210.32755 | 14210.32755 18516.382690000002 | 0.35959143336088856 | 13619.078669999999 | 18093.67965 | 0.4049811234912657 | 12878.236830000002 | 16965.78166 | 0.40306876225404514 | 12091.910329999999 | 11540.398140000001 | -0.43894664421689267 | 20569.163379999998 | 65116.24214 | 0.10071019528356089 | 59158.38921 | 59158.38921 PRODUIT NET BANCAIRE | 46031.56283000001 | 0.1411413482780509 | 40338.178 | 43399.978384999995 | 0.2272298038606981 | 35364.1822 | 39689.41262 | 0.06548907679654044 | 37249.94791999999 | 51258.680120000005 | 0.11087494063633577 | 46142.61988 | 180379.63395500003 | 0.13378620061979607 | 159094.928 | 159094.928 Dotation à la provision pour créances douteuses | 4376.08378 | 0.019721744701553898 | 4291.448920000001 | 4276.35762 | 0.007599506526761952 | 4244.10452 | 4495 | 0.04300146780819252 | 4309.67754 | 4478.3 | -0.4570620788790996 | 8248.27264 | 17625.7414 | -0.16439953658111164 | 21093.50362 | 21093.50362 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 41655.47905000001 | 0.1555966411696407 | 36046.72908 | 39123.62076499999 | 0.2571826191212769 | 31120.077680000002 | 35194.41262 | 0.0684312002905912 | 32940.270379999994 | 46780.38012 | 0.23449494521494754 | 37894.34724 | 162753.89255500003 | 0.17936386009206504 | 138001.42438 | 138001.42438 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 19801.63016 | 0.002899268192939622 | 19744.385889999998 | 21391.55564 | 0.10375978261288467 | 19380.626089999998 | 20576.374089999998 | 0.09668761686391598 | 18762.292719999998 | 20012.126969999998 | -0.13610513522747986 | 23165.002809999998 | 81781.68685999999 | 0.008998872116133328 | 81052.30750999998 | 81052.30750999998 Frais de locaux | 3653.83424 | 0.11273224462963496 | 3283.65989 | 4059.1491400000004 | 0.22868794799906628 | 3303.6452799999997 | 4805.78244 | 0.4091806770520653 | 3410.33802 | 5409.08562 | 0.5304074110066261 | 3534.40893 | 17927.85144 | 0.32484351087468327 | 13532.052119999998 | 13532.052119999998 Amortissement | 1890.98002 | -0.13509403550474197 | 2186.3417499999996 | 1751.4627999999998 | -0.20918228804501873 | 2214.74908 | 2554.4019 | 0.22907520151941735 | 2078.3121300000003 | 3465.99804 | 0.7628325547222367 | 1966.15273 | 9662.84276 | 0.14413344896195934 | 8445.55569 | 8445.55569 Autres dépenses d'exploitation | 10258.95469 | 0.2563116086930938 | 8165.931619999999 | 12628.248099999999 | 0.7523162006836751 | 7206.60352 | 14014.924289999999 | 0.736584973410504 | 8070.393619999999 | 17197.2546 | 1.3218566281738457 | 7406.68239 | 54099.38168 | 0.7536487386162728 | 30849.611149999997 | 30849.611149999997 35605.39911 | 0.06665843876450783 | 33380.319149999996 | 39830.41568 | 0.24060556235313055 | 32105.62397 | 41951.48272 | 0.2979501244628143 | 32321.336489999998 | 46084.465229999994 | 0.27756015334610057 | 36072.24686 | 163471.76273999998 | 0.22103630816644013 | 133879.52646999998 | 133879.52646999998 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 6050.0799400000105 | 1.2689984281599218 | 2666.4099300000016 | -706.7949150000059 | 0.2828394544511887 | -985.5462899999984 | -6757.070099999997 | -11.917272763978128 | 618.9338899999966 | 695.9148900000073 | -0.618069949582028 | 1822.1003800000035 | -717.8701849999488 | -1.174160107958604 | 4121.897910000029 | 4121.897910000029 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET (PERTE NETTE) | 6050.0799400000105 | 1.2689984281599218 | 2666.4099300000016 | -706.7949150000059 | 0.2828394544511887 | -985.5462899999984 | -6757.070099999997 | -11.917272763978128 | 618.9338899999966 | 695.9148900000073 | -0.618069949582028 | 1822.1003800000035 | -717.8701849999488 | -1.174160107958604 | 4121.897910000029 | 4121.897910000029 [BPHVARAN ] BANQUE POPULAIRE HAÏTIENNE (BPH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2019 | Var. | 2018 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 59615.514650000005 | -0.12084865042680461 | 67810.29759999999 | 67810.29759999999 | -0.31921439813918023 | 99605.95144 | 0.11583657959829385 | 89265.7162 | -0.02305169271724226 | 91371.99536 Intérêts sur bons B.R.H. | 73552.39746 | -0.08651980287699666 | 80518.87462 | 80518.87462 | 0.32569484432100954 | 60737.110779999995 | 0.5424936752255748 | 39375.92209 | 2.7872039752162796 | 10397.095679999999 Autres | 47928.861990000005 | 2.8130947789430683 | 12569.54384 | 12569.54384 | -0.6444518966863316 | 35352.58302 | 1.6620583400599487 | 13280.168389999999 | 0.4695174192875661 | 9037.09491 181096.7741 | 0.12553274839351755 | 160898.71606 | 160898.71606 | -0.17781146400741432 | 195695.64523999998 | 0.3788976466544512 | 141921.80668 | 0.28081122424013916 | 110806.18595 Dépenses d'intérêt | 65833.382285 | 0.07990536482031393 | 60962.17727 | 60962.17727 | -0.08436343929219461 | 66579.01168 | 0.3689307116227382 | 48635.77909 | 0.7471807518560659 | 27836.71869 115263.39181500001 | 0.153365858079264 | 99936.53879 | 99936.53879 | -0.22599795212628515 | 129116.63355999999 | 0.38409402667973513 | 93286.02759000001 | 0.12434164844847295 | 82969.46726 AUTRES REVENUS Commissions | 23570.62198 | 0.08426154965981307 | 21738.87102 | 21738.87102 | -0.11343121264704259 | 24520.230499999998 | -0.3201352783104565 | 36066.33749 | 0.13724332907191755 | 31713.82638 Gains sur change | 34117.368 | 0.46999387135888515 | 23209.19064 | 23209.19064 | 0.5185509621958498 | 15283.77461 | -0.09123319204863237 | 16818.14793 | -0.2063081449884669 | 21189.770089999998 Autres | 7428.25216 | -0.47726383266936023 | 14210.32755 | 14210.32755 | -0.18123169144676754 | 17355.73715 | 0.6594597810187078 | 10458.666940000001 | 0.6757664945517904 | 6241.124269999999 65116.24214 | 0.10071019528356089 | 59158.38921 | 59158.38921 | 0.034965989540485416 | 57159.74226 | -0.0976176566783043 | 63343.15236 | 0.07098573748376115 | 59144.72074 PRODUIT NET BANCAIRE | 180379.63395500003 | 0.13378620061979607 | 159094.928 | 159094.928 | -0.14591999495558994 | 186276.37582 | 0.18928271143004197 | 156629.17995000002 | 0.10213612134208602 | 142114.188 Dotation à la provision pour créances douteuses | 17625.7414 | -0.16439953658111164 | 21093.50362 | 21093.50362 | -0.1769351625967634 | 25627.99753 | -0.20444927135165553 | 32214.15883 | -0.1402942638400175 | 37471.145619999996 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 162753.89255500003 | 0.17936386009206504 | 138001.42438 | 138001.42438 | -0.14097219126058058 | 160648.37829 | 0.2912297634467497 | 124415.02112000002 | 0.1889469026349616 | 104643.04238 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 81781.68685999999 | 0.008998872116133328 | 81052.30750999998 | 81052.30750999998 | -0.02961834865161582 | 83526.21609999999 | -0.15674384706922376 | 99052.00906 | 0.2849726470333141 | 77084.91639 Frais de locaux | 17927.85144 | 0.32484351087468327 | 13532.052119999998 | 13532.052119999998 | 0.06034050400411888 | 12761.987369999999 | 0.037118418801289965 | 12305.23645 | 0.5544199208082418 | 7916.28844 Amortissement | 9662.84276 | 0.14413344896195934 | 8445.55569 | 8445.55569 | -0.07214504428338894 | 9102.23698 | 0.26918432844687096 | 7171.721849999999 | -0.021976623039181995 | 7332.8736499999995 Autres dépenses d'exploitation | 54099.38168 | 0.7536487386162728 | 30849.611149999997 | 30849.611149999997 | -0.26622429665006897 | 42042.29032 | -0.25881599451514786 | 56723.14838 | 0.476700371362631 | 38412.09054999999 163471.76273999998 | 0.22103630816644013 | 133879.52646999998 | 133879.52646999998 | -0.09192805579341445 | 147432.73077 | -0.15873922464520876 | 175252.11573999998 | 0.34039962348562586 | 130746.16902999999 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | -717.8701849999488 | -1.174160107958604 | 4121.897910000029 | 4121.897910000029 | -0.6881047331383404 | 13215.647519999999 | 1.2599607160634392 | -50837.09461999996 | -0.9475480965036033 | -26103.12664999999 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | -717.8701849999488 | -1.174160107958604 | 4121.897910000029 | 4121.897910000029 | -0.6881047331383404 | 13215.647519999999 | 1.2599607160634392 | -50837.09461999996 | -0.9475480965036033 | -26103.12664999999 [buhinfin] BANQUE DE L'UNION HAÏTIENNE (BUH) INDICATEURS FINANCIERS Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 22882185.857430164 | 0.13620497820859484 | 25998853.483506456 | 0.05181061134031846 | 27345869.976634294 | 0.05322747178282477 | 28801421.49919239 | 0.34745520166920657 | 21374678.329575364 | 0.2547414172987577 | 17035126.150208198 | 0.33209101684152637 | 12788259.91229907 | 0.6030837094012313 | 7977287.672067743 Bons B.R.H. | 400000 | -0.5 | 200000 | 0 | 0 | 0 | 300000 | -0.5714285714285714 | 700000 | 1.3333333333333333 | 300000 | 0 | 0 | 0 | 0 Prêts nets | 12423672.27385414 | 0.07041795071222957 | 13298521.815699294 | 0.1044965374996402 | 14688171.299303299 | 0.028256976110930344 | 15103214.604820965 | 0.3496547395835216 | 11190428.308710668 | 0.31205513673640367 | 8528931.441513699 | 0.3623195764898413 | 6260595.229417007 | 0.7551501470746113 | 3566985.559527102 Dépôts | 16463476.176247302 | 0.13470116836688914 | 18681125.65256826 | 0.08938496478989454 | 20350937.411258668 | 0.08898363609457985 | 22161837.82004568 | 0.45906658962962615 | 15189051.670130633 | 0.15774645750215133 | 13119497.426838301 | 0.3780755414834375 | 9520158.388933992 | 0.48421106888285537 | 6414288.76830819 Avoir des Actionnaires | 2590852.5113846003 | 0.08686488272353511 | 2815906.61094 | -0.016348777575273442 | 2769869.980085 | 0.026461910642011737 | 2843166.031988 | 0.11504090519813354 | 2549831.14855575 | 0.9089691291639808 | 1335711.0440399998 | 0.29451281392693834 | 1031825.27795 | 1.0414020179359256 | 505449.327905184 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) Résultats Revenus nets d'intérêt | 304116.92920689203 | 0.4227868916876196 | 213747.35105000006 | 321195.49644310796 | 0.4130872990931641 | 227300.53313 | 357926.65634999995 | 0.559904137670035 | 229454.26434 | 404708.51187999995 | 0.5413640033378181 | 262565.17669 | 1387947.59388 | 0.4875106612136728 | 933067.3252099999 Autres revenus | 123560.46871000002 | 0.4128023073446671 | 87457.72007000001 | 159101.6341 | 0.1821688908106525 | 134584.52116 | 146133.32772 | 0.17517310286799154 | 124350.47003999999 | 141568.62487 | -0.09789547937588411 | 156931.5103 | 570364.0554000001 | 0.13319413403329824 | 503324.22157 Dot. à la prov. pr créances douteuses | 17220.545100000003 | 26.566134400655514 | -673.568589999999 | 27587.14409 | 6.719158391330647 | 3573.853869999999 | 39238.65016999999 | 18.78848407175722 | 1982.90329 | 90616.51928000001 | 1.300367166334247 | 39392.198169999996 | 174662.85864 | 2.9449199995853053 | 44275.386739999994 Dépenses d'exploitation | 256426.18031 | 0.30810656393862146 | 196028.50974 | 275044.87061 | 0.30572361909307844 | 210645.55054999999 | 304675.5424499999 | 0.35313408716343847 | 225162.86105 | 336014.37189 | 0.4055952413893365 | 239054.85875 | 1172160.96526 | 0.3459318276478233 | 870891.78009 Bénéfice (perte) net | 107821.47075482449 | 0.45517698042078253 | 74095.09097900007 | 124365.58109017558 | 0.2031580533422531 | 103365.95490900002 | 112102.05401500006 | 0.2643857075375291 | 88661.27902799999 | 83752.37190599991 | -0.151743641435841 | 98734.74104899997 | 428041.477766 | 0.17317579319420726 | 364857.06596499996 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) | 2018 | 2017 | 2016 | 2015 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.11322574370854148 | 0.07946620322235824 | 0.10830887649435762 | 0.08003725713529243 | 0.10129024903766888 | 0.09908023115011652 | 0.09871617038303905 | 0.11929214134781348 | 0.09871617038303905 | 0.11929214134781348 | 0.11929214134781348 | 0.07840922528323485 | 0.08068535399078378 | 0.06336105060809091 Dépôts en % de l'actif | 0.7194887883012883 | 0.7461608855807176 | 0.7185365179437421 | 0.7331328859127368 | 0.7442051552445597 | 0.6969229448222843 | 0.7694702784259142 | 0.7106096024431907 | 0.7694702784259142 | 0.7106096024431907 | 0.7106096024431907 | 0.7701438375716377 | 0.7444451750451215 | 0.8040688805504217 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.0038796978148041023 | 0.006729930078716517 | 0.007933027024409041 | 0.007379160525669301 | 0.009953145758146448 | 0.009664740099297225 | 0.019326044763293113 | 0.004006696394098167 | 0.019326044763293113 | 0.004006696394098167 | 0.004006696394098167 | 0.00462425113002612 | 0.006869572485882122 | 0.015435212022437708 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.6347844686883928 | 0.6633369573541121 | 1.0039119647752235 | 0.5920743283039126 | 0.9351394003336949 | 0.3956434514670283 | 0.7068216033211133 | 1.4643396877697732 | 0.7068216033211133 | 1.4643396877697732 | 1.4643396877697732 | 1.1535657765827423 | 1.204542636794695 | 1.325036371586142 Prêts improductifs nets en % de l'avoir des actionnaires | -0.011884878881267616 | 0.01487053530361886 | -0.00014773778587604864 | 0.019550023592216734 | 0.003455499452066808 | 0.029223526731058456 | 0.030515149453333168 | -0.008213213435020567 | 0.030515149453333168 | -0.008213213435020567 | -0.008213213435020567 | -0.004558698291423022 | -0.008596697155750272 | -0.03614453672192649 Rentabilité ROA (rendement de l'actif) | 0.019490123891151324 | 0.017045070956922315 | 0.020353999467605036 | 0.022590323441013745 | 0.01681171770981441 | 0.01796819835920119 | 0.011933237697431322 | 0.018813338948155907 | 0.01706156832542766 | 0.018998121490414625 | 0.018998121490414625 | 0.01595204472594101 | 0.01744300692167167 | 0.02085421321318172 ROE (rendement avoir des action.) | 0.16779320088499758 | 0.21590129989058102 | 0.18401497573904185 | 0.2832269766935527 | 0.16055358059987018 | 0.19969134071630226 | 0.11936837280339284 | 0.17201526451688273 | 0.15873973726900506 | 0.18780239558616707 | 0.18780239558858375 | 0.20307561796852 | 0.23562061642520515 | 0.3489227514302616 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7526942308994241 | 0.7079099822758125 | 0.75813368793518 | 0.707852641892984 | 0.7566172339256508 | 0.6819899915507416 | 0.7638198684574243 | 0.7333309927531915 | 0.7581870521830335 | 0.7081852736079371 | 0.7081852736079371 | 0.6925680448020417 | 0.7449085998425536 | 0.8570382857573255 Rendement moyen des prêts | 0.12967509612364925 | 0.1291178724825451 | 0.12706644950070067 | 0.12853084932988626 | 0.13170603987034732 | 0.12876989422804172 | 0.13865615005896373 | 0.12957206369379268 | 0.13427588350274616 | 0.12747944891409832 | 0.12747944891409832 | 0.15429302130494896 | 0.14585129355671123 | 0.1296367777891094 Rendement moyen des prêts productifs | 0.13018801943842573 | 0.12986030294576656 | 0.12783048532478195 | 0.12944524619035852 | 0.13290134426501235 | 0.1298797687719687 | 0.14072697569061593 | 0.13044589003994622 | 0.13602181467745952 | 0.12802659839796074 | 0.12802659839796074 | 0.15543838118523812 | 0.1473249912107327 | 0.13199479411025508 Rémunération moyenne des dépôts | 0.02525444590459379 | 0.026768975223195067 | 0.02332546952140637 | 0.027726653883559712 | 0.02359804999735241 | 0.030359393523785944 | 0.023548610050346138 | 0.02584640782143727 | 0.02370310842082762 | 0.02716349695726138 | 0.02716349695726138 | 0.03212641294506299 | 0.023940048805936875 | 0.010967229300165643 Dépenses d'exploitation en % du produit net bancaire | 0.5995785177308568 | 0.650814108179149 | 0.5726556606719388 | 0.5820786132305901 | 0.6044430267801003 | 0.6364043190223859 | 0.6150987278894205 | 0.5698611363662537 | 0.5985569077786781 | 0.6063052807866373 | 0.6063052807866371 | 0.7252914112208851 | 0.7253859185085992 | 0.6353475633230857 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 5439.458161105145 | 4907.61826672098 | 5473.471573140831 | 5896.294163584522 | 5562.041203531034 | 5464.165781930502 | 5796.043891246683 | 6090.695999854809 | 5952.315043404255 | 5492.893104321223 | 5492.893104321223 | 4640.315959149691 | 4019.023697366072 | 3230.573763258145 [buhvar] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 ACTIF Disponibilités Encaisse | 936195.5229929971 | 0.1370904300196798 | 1064538.969822606 | 0.045863064457457754 | 1113361.989213056 | 0.4284762470746563 | 1590411.1559866401 | 1.510231698024057 | 633571.457662072 | 0.4928218498417709 | 424411.9669934 | 0.09418542159707534 | 387879.38370987197 | 0.09091580271149372 | 355553.914193735 Avoirs à la BRH | 6812077.946619324 | 0.27081417512315675 | 8656885.216607684 | 0.09038804663614333 | 9439364.16129016 | -0.03912636506302641 | 9070036.153152673 | 0.36011203590187385 | 6668594.875817301 | 0.09845840529445361 | 6070866.9929379 | 0.39671531997681236 | 4346531.398423185 | 0.6592897239907325 | 2619513.238453263 Avoirs à l'étranger | 809536.142442291 | 0.3551378054553081 | 1097033.031506002 | -0.5819976491053368 | 458562.38617860794 | 1.1512427317595626 | 986479.0003250521 | 0.6914201181762271 | 583225.29673392 | 0.0869496164539443 | 536570.6817549 | 0.19086302597662777 | 450572.96267541597 | 1.6717224970523776 | 168645.120581392 Avoirs dans les banques locales | 20381.146093474003 | 0.012198239736851937 | 20629.760199634 | 0.023260828993955665 | 21109.625523824 | 0.3279032210785565 | 28031.539728848 | 0.3978477700396635 | 20053.356545436 | -0.835573183951334 | 121959.1610866 | -0.4084306727336947 | 206162.07681047998 | -0.30687492349919415 | 297438.490973772 Autres liquidités | 5534.282145246001 | 20.93536110448519 | 121396.47731007599 | -0.541903418001008 | 55611.311322464 | -0.920435199025011 | 4424.70291733 | -0.9815620704686021 | 239978.29635888204 | 9.968571187788958 | 21878.719866999996 | 22.901261133336103 | 915.3793076000001 | 0 | 0 8583725.040293334 | 0.276891256883905 | 10960483.455446003 | 0.011635072357938906 | 11088009.47352811 | 0.0533344672904815 | 11679382.552110543 | 0.43385827183683584 | 8145423.283117611 | 0.1351418602633163 | 7175687.522639801 | 0.3307874772279581 | 5392061.2009265525 | 0.5669354731619011 | 3441150.764202162 Bons B.R.H. | 400000 | -0.5 | 200000 | 0 | 0 | 0 | 300000 | -0.5714285714285714 | 700000 | 1.3333333333333333 | 300000 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 376585.850866094 | -0.2476645972746696 | 283318.86777200404 | -0.027788685165308868 | 275445.80895409605 | 0.26089981532867756 | 347309.5696432779 | -0.09197085601037616 | 382487.24938199413 | 0.20442123484403607 | 317569.333981 | -0.24585705160180465 | 421099.653130112 | -0.11433609286660401 | 475462.136074929 Portefeuille net | 12423672.27385414 | 0.07041795071222957 | 13298521.815699294 | 0.1044965374996402 | 14688171.299303299 | 0.028256976110930344 | 15103214.604820965 | 0.3496547395835216 | 11190428.308710668 | 0.31205513673640367 | 8528931.441513699 | 0.3623195764898413 | 6260595.229417007 | 0.7551501470746113 | 3566985.559527102 Immobilisations | 762474.3640000001 | 0.16889356958104876 | 891251.38105 | 0.04576905905261269 | 932043.11814 | 0.15900919905482183 | 1080246.5478400001 | 0.4968205941162512 | 721694.0708100001 | 0.22068561323370922 | 591220.26424 | 0.08354043454337372 | 545637.47267 | 0.5216746653829876 | 358576.95806 Autres actifs | 335728.328416596 | 0.08801650805555676 | 365277.9635391539 | -0.008425602246974272 | 362200.27670878824 | -0.19583654815430243 | 291268.22477760597 | 0.24131222255480253 | 234645.417555088 | 0.9277856366631154 | 121717.58783369999 | -0.27920758992579436 | 168866.35615540008 | 0.2498226541391179 | 135112.25420355002 22882185.857430164 | 0.13620497820859484 | 25998853.483506456 | 0.05181061134031846 | 27345869.976634294 | 0.05322747178282477 | 28801421.49919239 | 0.34745520166920657 | 21374678.329575364 | 0.2547414172987577 | 17035126.150208198 | 0.33209101684152637 | 12788259.91229907 | 0.6030837094012313 | 7977287.672067743 PASSIF Dépôts À vue | 5659380.822246235 | 0.25634272615060366 | 7110121.93054528 | -0.005148444303176944 | 7073515.86379707 | 0.2423702507105035 | 8787925.67711029 | 0.6699392716873728 | 5262422.308465518 | 0.21628910307390525 | 4326621.2738122 | 0.5499850800505831 | 2791395.43309088 | 0.33906693986138575 | 2084582.4431897579 Épargne | 3402021.1203855285 | 0.07801622097735067 | 3667433.95188314 | 0.10801262662771806 | 4063563.12600971 | 0.03655987683061648 | 4212126.49339006 | 0.35504822507160944 | 3108469.806059828 | 0.16065534814168334 | 2678202.2854905 | 0.052942852424455344 | 2543540.021496704 | 0.25376244518091995 | 2028725.641985286 À terme | 7402074.233615539 | 0.06775067645860981 | 7903569.770139838 | 0.16578441000956312 | 9213858.421451889 | -0.0056515706585334065 | 9161785.64954533 | 0.34373294946043353 | 6818159.555605287 | 0.11504876683688323 | 6114673.8675356 | 0.46101509130015045 | 4185222.9343464077 | 0.8188866012762744 | 2300980.683133146 16463476.176247302 | 0.13470116836688914 | 18681125.65256826 | 0.08938496478989454 | 20350937.411258668 | 0.08898363609457985 | 22161837.82004568 | 0.45906658962962615 | 15189051.670130633 | 0.15774645750215133 | 13119497.426838301 | 0.3780755414834375 | 9520158.388933992 | 0.48421106888285537 | 6414288.76830819 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 968799.44096246 | 0.8021612850674931 | 1745932.8454975758 | -0.19002356985740337 | 1414164.4534648322 | -0.23545626402486342 | 1081190.57453524 | 0.360333677075704 | 794798.0651772621 | 0.9160140748545103 | 414818.4899099 | -0.02781353317128925 | 426686.13899043994 | 0.3349227074445496 | 319633.591226602 968799.44096246 | 0.8021612850674931 | 1745932.8454975758 | -0.19002356985740337 | 1414164.4534648322 | -0.23545626402486342 | 1081190.57453524 | 0.360333677075704 | 794798.0651772621 | 0.9160140748545103 | 414818.4899099 | -0.02781353317128925 | 426686.13899043994 | 0.3349227074445496 | 319633.591226602 Obligations à terme Banques locales | 2375893.43583 | -0.020353312560546954 | 2327536.13412 | -0.02077617657621599 | 2279178.83241 | -0.014144656260216054 | 2246940.63127 | -0.07111899238747652 | 2418975.74916 | 0.32817111100011515 | 1821283.21353 | 0.28685008402331164 | 1415303.33342 | 1.6423399455109569 | 535625.0000400001 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 246350.13919569098 | -0.15503156301908022 | 208158.09206621503 | 0.30312757075890845 | 271256.548848056 | -0.19602063636620312 | 218084.66752436 | 0.022614920898827683 | 213261.76947689598 | 0.832406616579795 | 116383.4312468 | -0.02575196389506076 | 119459.75453243201 | 12.327165502591514 | 8963.628050481 2622243.5750256907 | -0.033005838841125894 | 2535694.226186215 | 0.005813459256880474 | 2550435.3812580556 | -0.033488432246248624 | 2465025.29879436 | -0.0635247460225881 | 2632237.5186368963 | 0.3584573619680096 | 1937666.6447768002 | 0.26251840429775547 | 1534763.087952432 | 1.818206273116371 | 544588.628090481 Autres passifs | 236814.15382619202 | -0.07018163924442686 | 220194.148314388 | 0.18287771297103433 | 260462.750567728 | -0.03939517922652767 | 250201.773827278 | 0.19851437644447717 | 208759.927076994 | -0.08210178338577163 | 227432.5445876 | -0.1724520175933128 | 274827.0183998 | 0.42156300751219467 | 193327.356541699 20291333.346061647 | 0.14250485550600955 | 23182946.872566435 | 0.0600895620233387 | 24575999.996549282 | 0.05624411909372379 | 25958255.467202555 | 0.3789357872382779 | 18824847.181021787 | 0.19907952326786316 | 15699415.106112601 | 0.33538913748050103 | 11756434.634276662 | 0.573432680520255 | 7471838.344166972 AVOIR DES ACTIONNAIRES Capital versé | 729924.2646 | 0.004251464323768664 | 733027.51157 | -0.004808482552654378 | 729502.76157 | -0.0013707967298819393 | 728502.76157 | -0.0019096203830547042 | 729896.58697 | 0.3325925508841771 | 547726.75 | 0.0158419667519476 | 539184.99917 | 0.20322773742483793 | 448115.5 Réserves | 266622.46907 | 0.1992234778084452 | 319739.92462 | 0.08191553557513305 | 345931.59179 | 0.04095636792432898 | 360099.69334 | 0.4433476413619808 | 249489.23116 | 2.298036475447484 | 75647.80833 | 0.3255209322027127 | 57070.248 | 3.5515718867350685 | 12538.57995 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 99409.46121 | 0.4653305510801065 | 67840.98040999999 | 0.6043001811062245 | 42286.96176 Surplus d'apport | 1141670.62557 | 0.05976707532957049 | 1209904.93985 | -0.025090717353186 | 1179547.55698 | -0.008016904400371203 | 1170091.23698 | 4.305490661047279e-05 | 1170040.86098 | 1.840511309655576 | 411912.05858 | 0.1887080459857801 | 346520.79623000004 | 2.1664118869922775 | 109436.42476000001 BNR | 452635.1521446 | 0.22225203296464788 | 553234.2349 | -0.06931271193282412 | 514888.069745 | 0.135144460401776 | 584472.340098 | 0.459704835230839 | 400404.46944575 | 0.9919137244990166 | 201014.96591999996 | 8.47814773404067 | 21208.254140000034 | 1.1983411889953024 | -106928.13856481595 2590852.5113846003 | 0.08686488272353511 | 2815906.61094 | -0.016348777575273442 | 2769869.980085 | 0.026461910642011737 | 2843166.031988 | 0.11504090519813354 | 2549831.14855575 | 0.9089691291639808 | 1335711.0440399998 | 0.29451281392693834 | 1031825.27795 | 1.0414020179359256 | 505449.327905184 22882185.857446246 | 0.1362049782077953 | 25998853.483506434 | 0.05181061134031894 | 27345869.976634283 | 0.05322747178275804 | 28801421.499190554 | 0.3474552016689837 | 21374678.329577535 | 0.25474141730298017 | 17035126.1501526 | 0.33209101684472137 | 12788259.912226662 | 0.6030837093912678 | 7977287.672072155 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2506057.600013139 | 686967.210985885 | 873943.795979488 | 1541318.249651364 | 1187232.1703575342 | 956056.1406981 | 91104.716427712 | 82391.01428815501 Portefeuille brut | 12502971.995279819 | 0.0721676656805994 | 13405282.29824907 | 0.1059943898675472 | 14826167.01645421 | 0.03279443339290999 | 15312382.763147477 | 0.3603181284870412 | 11256471.881454712 | 0.3127583078848049 | 8574671.9817693 | 0.35829244541582667 | 6312831.975697439 | 0.7335984295278101 | 3641461.521984016 Provisions pour créances douteuses | 79299.721425678 | 0.34629076408338993 | 106760.482549776 | 0.2925729994389344 | 137995.71715091198 | 0.5157583339906547 | 209168.15832651197 | 2.1671236069731754 | 66043.57274404401 | 0.44387391086746747 | 45740.540255600004 | -0.12436084724644288 | 52236.746280432 | -0.2986093155808207 | 74475.96245691399 Portefeuille de crédit improductif | 48507.753128644 | 1.1923189569266035 | 106344.466741842 | 0.3876321530448814 | 147567.001349392 | 1.0053791972949466 | 295927.794713266 | 5.561407817718359 | 45101.265297692 | 0.1374434109712264 | 39651.436601299996 | -0.08566575452423876 | 43366.456848248 | -0.22844726358531228 | 56206.730663372 [buhcomp] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 18 | Comp. | Mars 19 | Comp. | Juin 19 | Comp. | Sept. 19 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. | 2015 | Comp. ACTIF Disponibilités Encaisse | 936195.5229929971 | 0.04091372777172865 | 1064538.969822606 | 0.0409456121016238 | 1113361.989213056 | 0.04071408187650893 | 1590411.1559866401 | 0.05521988406132094 | 633571.457662072 | 0.02964121601705801 | 424411.9669934 | 0.024913931558306245 | 387879.38370987197 | 0.030330896178989146 | 355553.914193735 | 0.044570777538673625 Avoirs à la BRH | 6812077.946619324 | 0.297702238285393 | 8656885.216607684 | 0.3329718067029213 | 9439364.16129016 | 0.3451842698497299 | 9070036.153152673 | 0.31491626735878303 | 6668594.875817301 | 0.3119857418668242 | 6070866.9929379 | 0.35637346852660107 | 4346531.398423185 | 0.33988450565060235 | 2619513.238453263 | 0.3283714147134768 Avoirs à l'étranger | 809536.142442291 | 0.035378444502032716 | 1097033.031506002 | 0.042195438818175356 | 458562.38617860794 | 0.016768981442917233 | 986479.0003250521 | 0.03425105251672087 | 583225.29673392 | 0.02728580462083176 | 536570.6817549 | 0.031497898930929975 | 450572.96267541597 | 0.03523332851892373 | 168645.120581392 | 0.02114065927093219 Avoirs dans les banques locales | 20381.146093474003 | 0.000890699263630706 | 20629.760199634 | 0.000793487305612204 | 21109.625523824 | 0.0007719493123408083 | 28031.539728848 | 0.0009732693134480888 | 20053.356545436 | 0.000938182845899903 | 121959.1610866 | 0.007159275488259854 | 206162.07681047998 | 0.016121198523045673 | 297438.490973772 | 0.037285666908471266 Autres liquidités | 5534.282145246001 | 0.00024185985463661213 | 121396.47731007599 | 0.004669301182342111 | 55611.311322464 | 0.0020336274314907933 | 4424.70291733 | 0.0001536279352550037 | 239978.29635888204 | 0.011227223757881438 | 21878.719866999996 | 0.0012843297827138545 | 915.3793076000001 | 7.157966086688907e-05 | 0 | 0 8583725.040293334 | 0.37512696967742176 | 10960483.455446003 | 0.42157564611067483 | 11088009.47352811 | 0.4054729099129876 | 11679382.552110543 | 0.40551410118552794 | 8145423.283117611 | 0.38107816910849535 | 7175687.522639801 | 0.42122890428681103 | 5392061.2009265525 | 0.42164150853242777 | 3441150.764202162 | 0.43136851843155394 Bons B.R.H. | 400000 | 0.017480847437051757 | 200000 | 0.007692646913329429 | 0 | 0 | 300000 | 0.01041615255026257 | 700000 | 0.03274903084887296 | 300000 | 0.017610670878203828 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 376585.850866094 | 0.016457599514856286 | 283318.86777200404 | 0.010897360068271477 | 275445.80895409605 | 0.010072665787903293 | 347309.5696432779 | 0.012058764865234748 | 382487.24938199413 | 0.01789440961330213 | 317569.333981 | 0.018642030072499274 | 421099.653130112 | 0.032928612338033625 | 475462.136074929 | 0.05960197947226434 Portefeuille net | 12423672.27385414 | 0.5429407990679352 | 13298521.815699294 | 0.5115041639869162 | 14688171.299303299 | 0.5371257638485674 | 15103214.604820965 | 0.5243912910772293 | 11190428.308710668 | 0.5235366884200957 | 8528931.441513699 | 0.5006673485308742 | 6260595.229417007 | 0.4895580221509182 | 3566985.559527102 | 0.44714265125686836 Immobilisations | 762474.3640000001 | 0.03332174507936767 | 891251.38105 | 0.03428041092717436 | 932043.11814 | 0.034083505806777596 | 1080246.5478400001 | 0.03750670944731985 | 721694.0708100001 | 0.033763973412007715 | 591220.26424 | 0.034705951633517806 | 545637.47267 | 0.04266706154018928 | 358576.95806 | 0.04494973389458519 Autres actifs | 335728.328416596 | 0.014672039223367305 | 365277.9635391539 | 0.01404977199363366 | 362200.27670878824 | 0.013245154643764145 | 291268.22477760597 | 0.010112980874425706 | 234645.417555088 | 0.010977728597226078 | 121717.58783369999 | 0.007145094598093857 | 168866.35615540008 | 0.013204795438431257 | 135112.25420355002 | 0.01693711694472821 22882185.857430164 | 1 | 25998853.483506456 | 1 | 27345869.976634294 | 1 | 28801421.49919239 | 1 | 21374678.329575364 | 1 | 17035126.150208198 | 1 | 12788259.91229907 | 1 | 7977287.672067743 | 1 PASSIF Dépôts À vue | 5659380.822246235 | 0.24732693185465737 | 7110121.93054528 | 0.27347828761202514 | 7073515.86379707 | 0.2586685254424541 | 8787925.67711029 | 0.3051212481771675 | 5262422.308465518 | 0.24619890074247788 | 4326621.2738122 | 0.2539823442258055 | 2791395.43309088 | 0.21827797153280126 | 2084582.4431897579 | 0.2613146885110922 Épargne | 3402021.1203855285 | 0.14867553045771828 | 3667433.95188314 | 0.14106137234896693 | 4063563.12600971 | 0.14859878765904416 | 4212126.49339006 | 0.14624717372051135 | 3108469.806059828 | 0.14542767653063352 | 2678202.2854905 | 0.15721646331675493 | 2543540.021496704 | 0.19889649091745953 | 2028725.641985286 | 0.25431270945497103 À terme | 7402074.233615539 | 0.3234863259889126 | 7903569.770139838 | 0.30399685798275 | 9213858.421451889 | 0.33693784214306144 | 9161785.64954533 | 0.31810185652823536 | 6818159.555605287 | 0.3189830251700793 | 6114673.8675356 | 0.35894503002907724 | 4185222.9343464077 | 0.3272707125948607 | 2300980.683133146 | 0.28844148258435853 16463476.176247302 | 0.7194887883012883 | 18681125.65256826 | 0.7185365179437421 | 20350937.411258668 | 0.7442051552445597 | 22161837.82004568 | 0.7694702784259142 | 15189051.670130633 | 0.7106096024431907 | 13119497.426838301 | 0.7701438375716377 | 9520158.388933992 | 0.7444451750451215 | 6414288.76830819 | 0.8040688805504217 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 968799.44096246 | 0.04233858806141448 | 1745932.8454975758 | 0.06715422457398697 | 1414164.4534648322 | 0.05171400488165732 | 1081190.57453524 | 0.03753948653421697 | 794798.0651772621 | 0.037184094793021 | 414818.4899099 | 0.024350772999989216 | 426686.13899043994 | 0.03336545721752776 | 319633.591226602 | 0.04006795346566106 968799.44096246 | 0.04233858806141448 | 1745932.8454975758 | 0.06715422457398697 | 1414164.4534648322 | 0.05171400488165732 | 1081190.57453524 | 0.03753948653421697 | 794798.0651772621 | 0.037184094793021 | 414818.4899099 | 0.024350772999989216 | 426686.13899043994 | 0.03336545721752776 | 319633.591226602 | 0.04006795346566106 Obligations à terme Banques locales | 2375893.43583 | 0.10383157669609236 | 2327536.13412 | 0.08952456828900465 | 2279178.83241 | 0.08334636397954961 | 2246940.63127 | 0.07801492128897199 | 2418975.74916 | 0.11317015918845204 | 1821283.21353 | 0.10691339749824752 | 1415303.33342 | 0.11067208073076747 | 535625.0000400001 | 0.06714374886033965 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 246350.13919569098 | 0.010766022998440844 | 208158.09206621503 | 0.00800643352208856 | 271256.548848056 | 0.009919470438491496 | 218084.66752436 | 0.0075720105526900896 | 213261.76947689598 | 0.009977308953548716 | 116383.4312468 | 0.006831967677878194 | 119459.75453243201 | 0.00934136116654479 | 8963.628050481 | 0.001123643576483634 2622243.5750256907 | 0.11459759969453319 | 2535694.226186215 | 0.0975310018110932 | 2550435.3812580556 | 0.09326583441804111 | 2465025.29879436 | 0.08558693184166208 | 2632237.5186368963 | 0.12314746814200077 | 1937666.6447768002 | 0.11374536517612573 | 1534763.087952432 | 0.12001344189731225 | 544588.628090481 | 0.06826739243682328 Autres passifs | 236814.15382619202 | 0.010349280234925422 | 220194.148314388 | 0.008469379176819397 | 260462.750567728 | 0.009524756418072662 | 250201.773827278 | 0.008687132815104068 | 208759.927076994 | 0.009766693274075639 | 227432.5445876 | 0.013350798965748803 | 274827.0183998 | 0.021490571843592727 | 193327.356541699 | 0.0242347229395562 20291333.346061647 | 0.8867742562921614 | 23182946.872566435 | 0.8916911235056416 | 24575999.996549282 | 0.8987097509623307 | 25958255.467202555 | 0.9012838296168972 | 18824847.181021787 | 0.8807078586522882 | 15699415.106112601 | 0.9215907747135015 | 11756434.634276662 | 0.9193146460035542 | 7471838.344166972 | 0.9366389493924623 AVOIR DES ACTIONNAIRES Capital versé | 729924.2646 | 0.031899236775186995 | 733027.51157 | 0.028194609121322562 | 729502.76157 | 0.026676889862832096 | 728502.76157 | 0.025293986326002264 | 729896.58697 | 0.034147722633096594 | 547726.75 | 0.0321527850847941 | 539184.99917 | 0.04216249926633415 | 448115.5 | 0.05617391755459244 Réserves | 266622.46907 | 0.0116519667627568 | 319739.92462 | 0.012298231720981136 | 345931.59179 | 0.0126502317200214 | 360099.69334 | 0.012502844463774034 | 249489.23116 | 0.011672186468172054 | 75647.80833 | 0.004440695517190253 | 57070.248 | 0.004462706294005869 | 12538.57995 | 0.0015717848553843054 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 99409.46121 | 0.004650805016908757 | 67840.98040999999 | 0.0031738948003783942 | 42286.96176 | 0.0019783671645476446 Surplus d'apport | 1141670.62557 | 0.049893425072381516 | 1209904.93985 | 0.04653685750479565 | 1179547.55698 | 0.043134394992291915 | 1170091.23698 | 0.0406261627403637 | 1170040.86098 | 0.05473957750096558 | 411912.05858 | 0.024180158981385987 | 346520.79623000004 | 0.027096790228413697 | 109436.42476000001 | 0.013718500480205658 BNR | 452635.1521446 | 0.019781115098216156 | 553234.2349 | 0.021279178147258267 | 514888.069745 | 0.018828732462523468 | 584472.340098 | 0.02029317685289905 | 400404.46944575 | 0.018732654745579256 | 201014.96591999996 | 0.01180002802136826 | 21208.254140000034 | 0.0016584159444243904 | -106928.13856481595 | -0.013404072030550175 2590852.5113846003 | 0.11322574370854148 | 2815906.61094 | 0.10830887649435762 | 2769869.980085 | 0.10129024903766888 | 2843166.031988 | 0.09871617038303905 | 2549831.14855575 | 0.11929214134781348 | 1335711.0440399998 | 0.07840922528323485 | 1031825.27795 | 0.08068535399078378 | 505449.327905184 | 0.06336105060809091 22882185.857446246 | 1.0000000000007028 | 25998853.483506434 | 0.9999999999999991 | 27345869.976634283 | 0.9999999999999996 | 28801421.499190554 | 0.9999999999999363 | 21374678.329577535 | 1.0000000000001017 | 17035126.1501526 | 0.9999999999967364 | 12788259.912226662 | 0.9999999999943379 | 7977287.672072155 | 1.0000000000005531 [buhgdes&$] BANQUE DE L'UNION HAÏTIENNE (BUH) BILAN DEVISES ET GOURDES (En milliers de gourdes) Septembre 19 | Septembre 18 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 694959.07394664 | 895452.08204 | 1590411.1559866401 | 0.4369681835610048 | 286093.242522072 | 347478.21514 | 633571.457662072 | 0.4515563936194006 Avoirs à la BRH | 7189814.145082673 | 1880222.00807 | 9070036.153152673 | 0.7926996126232144 | 4921373.351307301 | 1747221.52451 | 6668594.875817301 | 0.7379925520972871 Avoirs à l'étranger | 986479.0003250521 | 0 | 986479.0003250521 | 1 | 583225.29673392 | 0 | 583225.29673392 | 1 Avoirs dans les banques locales | 4381.292638848 | 23650.24709 | 28031.539728848 | 0.1562986793172512 | 3298.6744554360002 | 16754.68209 | 20053.356545436 | 0.16449487884793804 Autres liquidités | 2971.15514733 | 1453.5477700000001 | 4424.70291733 | 0 | 151426.85506888203 | 88551.44129 | 239978.29635888204 | 0 8878604.667140543 | 2800777.8849700005 | 11679382.552110543 | 0.7601946958690996 | 5945417.42008761 | 2200005.8630299997 | 8145423.28311761 | 0.7299089578819333 Bons B.R.H. | 0 | 300000 | 300000 | 0 | 0 | 700000 | 700000 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 250137.45121327796 | 97172.11843 | 347309.56964327797 | 0.7202146818764436 | 187664.363351994 | 194822.88603 | 382487.249381994 | 0.4906421420719613 Portefeuille net | 7370911.43309097 | 7732303.171729996 | 15103214.604820967 | 0.4880359331408934 | 4145014.061700669 | 7045414.247009998 | 11190428.308710668 | 0.3704070967930848 Immobilisations | 0 | 1080246.5478400001 | 1080246.5478400001 | 0 | 0 | 721694.0708100001 | 721694.0708100001 | 0 Autres actifs | 102921.20567165398 | 188347.019105952 | 291268.22477760597 | 0.35335541921964925 | 54335.380468733994 | 180310.037086354 | 234645.41755508797 | 0.23156378264228245 16602574.757116444 | 12198846.74207595 | 28801421.499192394 | 0.5764498379908779 | 10332431.225609008 | 11042247.103966352 | 21374678.32957536 | 0.48339586993046824 PASSIF Dépôts À vue | 6726021.44247029 | 2061904.2346400002 | 8787925.67711029 | 0.7653707700315906 | 3539681.979205518 | 1722740.32926 | 5262422.308465518 | 0.6726335842547881 Épargne | 2662473.54499006 | 1549652.9484 | 4212126.49339006 | 0.6320972433207276 | 1764291.357369828 | 1344178.44869 | 3108469.806059828 | 0.5675755170374883 À terme | 6545135.71348533 | 2616649.93606 | 9161785.64954533 | 0.7143952024035995 | 4368543.537405287 | 2449616.0182 | 6818159.555605287 | 0.6407218108901335 15933630.70094568 | 6228207.119100001 | 22161837.82004568 | 0.7189670292837129 | 9672516.873980634 | 5516534.79615 | 15189051.670130633 | 0.636808477846033 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 423129.26329524 | 658061.31124 | 1081190.57453524 | 0.3913549315550833 | 428791.63594726194 | 366006.42923 | 794798.065177262 | 0.5394975840204512 423129.26329524 | 658061.31124 | 1081190.57453524 | 0.3913549315550833 | 428791.63594726194 | 366006.42923 | 794798.065177262 | 0.5394975840204512 Obligations à terme Banques locales | 0 | 2246940.63127 | 2246940.63127 | 0 | 0 | 2418975.7491599997 | 2418975.7491599997 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 22372.353654359995 | 195712.31387 | 218084.66752436 | 0.10258563294854742 | 11374.619236896 | 201887.15024 | 213261.76947689598 | 0.05333641967238899 22372.353654359995 | 2442652.94514 | 2465025.29879436 | 0.009075912391366644 | 11374.619236896 | 2620862.8993999995 | 2632237.5186368953 | 0.004321273880628504 Autres passifs | 226236.372907278 | 23965.400920000004 | 250201.77382727803 | 0.9042157033764914 | 206720.958806994 | 2038.96827 | 208759.927076994 | 0.9902329517999495 16605368.690802557 | 9352886.7764 | 25958255.467202555 | 0.6396950947563839 | 10319404.087971784 | 8505443.09305 | 18824847.181021787 | 0.5481799660172147 AVOIR DES ACTIONNAIRES Capital versé | 0 | 728502.76157 | 728502.76157 | 0 | 0 | 729896.58697 | 729896.58697 | 0 Réserves | 0 | 360099.69334 | 360099.69334 | 0 | 0 | 249489.23116 | 249489.23116 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1170091.23698 | 1170091.23698 | 0 | 0 | 1170040.86098 | 1170040.86098 | 0 BNR | 0 | 584472.340098 | 584472.340098 | 0 | 0 | 400404.46944575 | 400404.46944575 | 0 0 | 2843166.031988 | 2843166.031988 | 0 | 2549831.14855575 | 2549831.14855575 | 0 16605368.690802557 | 12196052.808388 | 28801421.499190558 | 0.5765468447892143 | 10319404.087971784 | 11055274.24160575 | 21374678.329577535 | 0.48278640402705625 *Converties au taux de 93.3162 gdes | *Converties au taux de 69.9774 Gdes [buhrésult] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2019 | 2018 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 385126.02107 | 0.06850410830901672 | 411508.73572999996 | 0.12945730740198308 | 464781.54863 | 0.12388693492614995 | 522361.9101 | 287733.00444000005 | 0.06421255325213374 | 306209.07531 | 0.05253336062530039 | 322295.26709 | 0.07911699048586861 | 347794.29867 Intérêts sur Bons B.R.H. | 13490.796699999999 | -0.621080712008654 | 5111.9230800000005 | -0.42237389456180946 | 2952.78022 | -0.6996535217917434 | 886.857140000001 | 9407.27472 | 0.05334426865765022 | 9909.09891 | -0.19167199129310136 | 8009.80219 | -0.5258598539747459 | 3797.7687800000003 Autres | 5420.992966892 | 0.2996475048273867 | 7045.3799831080005 | -0.24384497745004954 | 5327.39946 | 0.238754564877326 | 6599.340400000001 | 4801.14899 | 0.04029487116582907 | 4994.61067 | 0.22993990840931755 | 6143.07099 | 0.05037009836020131 | 6452.498079999999 404037.81073689205 | 0.04858017624741003 | 423666.03879310796 | 0.11659110005041916 | 473061.72831 | 0.12004010456070446 | 529848.10764 | 301941.42815000005 | 0.06349362807701867 | 321112.78489 | 0.047756913152035424 | 336448.14027 | 0.06418946243147261 | 358044.56552999996 Dépenses d'intérêt | 99920.88153000001 | 0.025516796699141267 | 102470.54235 | 0.12359190572782205 | 115135.07196 | 0.08689379899354861 | 125139.59576 | 88194.07710000001 | 0.06370240320820807 | 93812.25176 | 0.14051068941104367 | 106993.87593 | -0.1076181883300804 | 95479.38884 304116.92920689203 | 0.05615789716394677 | 321195.49644310796 | 0.11435764297335978 | 357926.65634999995 | 0.13070235116619586 | 404708.51187999995 | 213747.35105000006 | 0.06340748558249765 | 227300.53313 | 0.009475258066236978 | 229454.26434 | 0.14430288513155293 | 262565.17669 AUTRES REVENUS Commissions | 48200.086160000006 | 0.5457856223052028 | 74507.00018 | -0.16088046869477382 | 62520.279070000004 | 0.06494485693919988 | 66580.64965 | 36226.63703 | 1.1643117199940656 | 78405.7351 | -0.23413213480604184 | 60048.43296 | -0.1705924383875878 | 49804.62436 Gains sur change | 39354.01673 | 0.2772114743673331 | 50263.40173 | -0.1815773002994478 | 41136.708940000004 | -0.20435753361459844 | 32730.11256 | 25421.694430000003 | 0.060113435168845084 | 26949.87981 | 0.22674810585732222 | 33060.71400999999 | 1.1225757265488658 | 70173.86906 Autres | 36006.365820000006 | -0.04652326309114869 | 34331.23219 | 0.2372506607080798 | 42476.33971 | -0.005143499922347743 | 42257.86266 | 25809.38861 | 0.13249122990364404 | 29228.906250000004 | 0.06885022664849111 | 31241.323070000002 | 0.1828249654216707 | 36953.016879999996 123560.46871000002 | 0.2876418790010915 | 159101.6341 | -0.08150957375993409 | 146133.32772 | -0.03123656267341177 | 141568.62487 | 87457.72007000001 | 0.5388523854987338 | 134584.52116 | -0.07604181396041323 | 124350.47003999999 | 0.2620097877355801 | 156931.5103 PRODUIT NET BANCAIRE | 427677.3979168921 | 0.12303603810375122 | 480297.130543108 | 0.04947531853880019 | 504059.98406999995 | 0.0837542237317081 | 546277.13675 | 301205.0711200001 | 0.201457375682181 | 361885.05429 | -0.022328415650801594 | 353804.73438 | 0.1856729043638073 | 419496.68698999996 Dotation à la provision pour créances douteuses | 17220.545100000003 | 0.6019901768382464 | 27587.14409 | 0.4223527466992685 | 39238.65016999999 | 1.3093689229218464 | 90616.51928000001 | -673.568589999999 | 6.3058499506338395 | 3573.853869999999 | -0.44516385892409177 | 1982.90329 | 18.865920021747502 | 39392.198169999996 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 410456.8528168921 | 0.10294171810323098 | 452709.98645310797 | 0.026752993769326768 | 464821.33389999997 | -0.01970803782420803 | 455660.61746999994 | 301878.6397100001 | 0.1869379057895978 | 358311.20042 | -0.0181109865457552 | 351821.83109 | 0.08038914936681389 | 380104.48881999997 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 109677.90311999999 | 0.09922134213391587 | 120560.29186999999 | 0.036725209281794055 | 124987.89381999991 | 0.024284030134720243 | 128023.1036 | 82128.91872 | 0.04149240721916573 | 85536.64526 | 0.08840420333314335 | 93098.44424 | 0.05299459234013938 | 98032.15834 Frais de locaux | 45583.93745 | 0.07247854444979943 | 48887.7948866667 | 0.1554902137494402 | 56489.36856333329 | 0.13937362581491264 | 64362.49668 | 33868.55448 | 0.09564259738079024 | 37107.831 | 0.054329820031788 | 39123.89278 | 0.16429406210022848 | 45551.71605 Amortissement | 19950.52255 | 0.08650015936549989 | 21676.24593 | 0.06757431866801109 | 23141.00348 | 0.13707180774340427 | 26312.98266000001 | 14349.446469999999 | 0.014485320422258934 | 14557.302800000001 | -0.04068661125878367 | 13965.015479999998 | 0.26029297534298185 | 17600.010909999997 Autres dépenses d'exploitation | 81213.81719 | 0.033328327949428964 | 83920.5379233333 | 0.19228592979319703 | 100057.27658666669 | 0.17248632935141384 | 117315.78894999999 | 65681.59007 | 0.11817895108397142 | 73443.77149 | 0.0753193490445026 | 78975.50855 | -0.013985792814499177 | 77870.97344999999 256426.18031 | 0.07260838295641805 | 275044.87061 | 0.10773031969032694 | 304675.5424499999 | 0.10285968209982957 | 336014.37189 | 196028.50974 | 0.07456589263157236 | 210645.55054999999 | 0.068918192015426 | 225162.86105 | 0.061697553651688275 | 239054.85875 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 154030.6725068921 | 0.15343985033343516 | 177665.11584310798 | -0.0986086903440224 | 160145.79145000008 | -0.2528917276146137 | 119646.24557999993 | 105850.12997000007 | 0.3950445777615131 | 147665.64987000002 | -0.14225840504202317 | 126658.97003999999 | 0.1136173776358301 | 141049.63006999996 Impôts sur le revenu | 46209.2017520676 | 0.15343985033343607 | 53299.534752932406 | -0.09860869034402257 | 48043.737435000025 | -0.2528917276146129 | 35893.87367400002 | 31755.038990999998 | 0.39504457776151386 | 44299.694961 | -0.14225840504202306 | 37997.691011999996 | 0.11361737763583014 | 42314.88902099999 BÉNÉFICE NET (PERTE NETTE) | 107821.47075482449 | 0.15343985033343477 | 124365.58109017558 | -0.09860869034402228 | 112102.05401500006 | -0.25289172761461404 | 83752.37190599991 | 74095.09097900007 | 0.39504457776151264 | 103365.95490900002 | -0.1422584050420232 | 88661.27902799999 | 0.11361737763583017 | 98734.74104899997 0 | 0 | 0 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 (oct.18 - sept. 19) | 2018 (oct.17 - sept. 18) | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 385126.02107 | 0.3384839942833496 | 287733.00444000005 | 411508.73572999996 | 0.34388157932091556 | 306209.07531 | 464781.54863 | 0.4420985850226933 | 322295.26709 | 522361.9101 | 0.5019277547031792 | 347794.29867 | 1783778.21553 | 0.41118161231659467 | 1264031.64551 | 1264031.64551 Intérêts sur Bons B.R.H. | 13490.796699999999 | 0.4340812936310209 | 9407.27472 | 5111.9230800000005 | -0.4841182708509264 | 9909.09891 | 2952.78022 | -0.631354164565205 | 8009.80219 | 886.857140000001 | -0.7664794274284384 | 3797.7687800000003 | 22442.35714 | -0.2789359630205743 | 31123.944600000003 | 31123.944600000003 Autres | 5420.992966892 | 0.12910325802907457 | 4801.14899 | 7045.3799831080005 | 0.4105964305538154 | 4994.61067 | 5327.39946 | -0.13277911509207554 | 6143.07099 | 6599.340400000001 | 0.022757437224995125 | 6452.498079999999 | 24393.112810000002 | 0.08939996835998403 | 22391.32873 | 22391.32873 404037.81073689205 | 0.33813307174321244 | 301941.42815000005 | 423666.03879310796 | 0.31936833015925686 | 321112.78489 | 473061.72831 | 0.4060464948041248 | 336448.14027 | 529848.10764 | 0.4798384297655395 | 358044.56552999996 | 1830613.68548 | 0.38941062310837204 | 1317546.91884 | 1317546.91884 Dépenses d'intérêt | 99920.88153000001 | 0.13296589539344478 | 88194.07710000001 | 102470.54235 | 0.09229381480097631 | 93812.25176 | 115135.07196 | 0.07609029918054681 | 106993.87593 | 125139.59576 | 0.3106451275018446 | 95479.38884 | 442666.0916 | 0.15133832571097428 | 384479.59363 | 384479.59363 304116.92920689203 | 0.4227868916876196 | 213747.35105000006 | 321195.49644310796 | 0.4130872990931641 | 227300.53313 | 357926.65634999995 | 0.559904137670035 | 229454.26434 | 404708.51187999995 | 0.5413640033378181 | 262565.17669 | 1387947.59388 | 0.4875106612136728 | 933067.3252099999 | 933067.3252099999 AUTRES REVENUS Commissions | 48200.086160000006 | 0.3305150605087786 | 36226.63703 | 74507.00018 | -0.04972512425305993 | 78405.7351 | 62520.279070000004 | 0.041164206760342506 | 60048.43296 | 66580.64965 | 0.33683669951486417 | 49804.62436 | 251808.01506000003 | 0.12171206691205605 | 224485.42945 | 224485.42945 Gains sur change | 39354.01673 | 0.548048531476271 | 25421.694430000003 | 50263.40173 | 0.8650696064087567 | 26949.87981 | 41136.708940000004 | 0.24427769247685457 | 33060.71400999999 | 32730.11256 | -0.5335854642414667 | 70173.86906 | 163484.23996 | 0.050628347786426206 | 155606.15730999998 | 155606.15730999998 Autres | 36006.365820000006 | 0.3950879024716271 | 25809.38861 | 34331.23219 | 0.17456438145029796 | 29228.906250000004 | 42476.33971 | 0.3596203853091167 | 31241.323070000002 | 42257.86266 | 0.1435565003319427 | 36953.016879999996 | 155071.80038000003 | 0.25836634605021336 | 123232.63481 | 123232.63481 123560.46871000002 | 0.4128023073446671 | 87457.72007000001 | 159101.6341 | 0.1821688908106525 | 134584.52116 | 146133.32772 | 0.17517310286799154 | 124350.47003999999 | 141568.62487 | -0.09789547937588411 | 156931.5103 | 570364.0554000001 | 0.13319413403329824 | 503324.22157 | 503324.22157 PRODUIT NET BANCAIRE | 427677.3979168921 | 0.41988777388978754 | 301205.0711200001 | 480297.130543108 | 0.3272090815837267 | 361885.05429 | 504059.98406999995 | 0.4246841127021777 | 353804.73438 | 546277.13675 | 0.30222038383588523 | 419496.68698999996 | 1958311.64928 | 0.36335503621558013 | 1436391.54678 | 1436391.54678 Dotation à la provision pour créances douteuses | 17220.545100000003 | 26.566134400655514 | -673.568589999999 | 27587.14409 | 6.719158391330647 | 3573.853869999999 | 39238.65016999999 | 18.78848407175722 | 1982.90329 | 90616.51928000001 | 1.300367166334247 | 39392.198169999996 | 174662.85864 | 2.9449199995853053 | 44275.386739999994 | 44275.386739999994 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 410456.8528168921 | 0.3596750442866635 | 301878.6397100001 | 452709.98645310797 | 0.26345474526740154 | 358311.20042 | 464821.33389999997 | 0.3211838857751082 | 351821.83109 | 455660.61746999994 | 0.19877725960184564 | 380104.48881999997 | 1783648.79064 | 0.28124997168968285 | 1392116.16004 | 1392116.16004 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 109677.90311999999 | 0.3354358590050604 | 82128.91872 | 120560.29186999999 | 0.40945780026257694 | 85536.64526 | 124987.89381999991 | 0.34253472053508843 | 93098.44424 | 128023.1036 | 0.3059296639780583 | 98032.15834 | 483249.1924099999 | 0.3468627523064355 | 358796.16656000004 | 358796.16656000004 Frais de locaux | 45583.93745 | 0.34590738075101923 | 33868.55448 | 48887.7948866667 | 0.31745223499230396 | 37107.831 | 56489.36856333329 | 0.4438585874105672 | 39123.89278 | 64362.49668 | 0.4129543793553743 | 45551.71605 | 215323.59758 | 0.38336549129692954 | 155651.99430999998 | 155651.99430999998 Amortissement | 19950.52255 | 0.39033394714632524 | 14349.446469999999 | 21676.24593 | 0.4890289930631929 | 14557.302800000001 | 23141.00348 | 0.6570696619091755 | 13965.015479999998 | 26312.98266000001 | 0.49505490619039694 | 17600.010909999997 | 91080.75462 | 0.5061696738011746 | 60471.77566 | 60471.77566 Autres dépenses d'exploitation | 81213.81719 | 0.23647763556647394 | 65681.59007 | 83920.5379233333 | 0.14265016924899881 | 73443.77149 | 100057.27658666669 | 0.26694057972820345 | 78975.50855 | 117315.78894999999 | 0.5065406755872525 | 77870.97344999999 | 382507.42065 | 0.2923777344801969 | 295971.84355999995 | 295971.84355999995 256426.18031 | 0.30810656393862146 | 196028.50974 | 275044.87061 | 0.30572361909307844 | 210645.55054999999 | 304675.5424499999 | 0.35313408716343847 | 225162.86105 | 336014.37189 | 0.4055952413893365 | 239054.85875 | 1172160.96526 | 0.3459318276478233 | 870891.78009 | 870891.78009 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 154030.6725068921 | 0.4551769804207827 | 105850.12997000007 | 177665.11584310798 | 0.20315805334225326 | 147665.64987000002 | 160145.79145000008 | 0.26438570753752905 | 126658.97003999999 | 119646.24557999993 | -0.15174364143584054 | 141049.63006999996 | 611487.82538 | 0.1731757931942072 | 521224.37995 | 521224.37995 Impôts sur le revenu | 46209.2017520676 | 0.4551769804207829 | 31755.038990999998 | 53299.534752932406 | 0.2031580533422537 | 44299.694961 | 48043.737435000025 | 0.2643857075375291 | 37997.691011999996 | 35893.87367400002 | -0.15174364143583968 | 42314.88902099999 | 183446.34761400003 | 0.17317579319420734 | 156367.313985 | 156367.313985 BÉNÉFICE NET (PERTE NETTE) | 107821.47075482449 | 0.45517698042078253 | 74095.09097900007 | 124365.58109017558 | 0.2031580533422531 | 103365.95490900002 | 112102.05401500006 | 0.2643857075375291 | 88661.27902799999 | 83752.37190599991 | -0.151743641435841 | 98734.74104899997 | 428041.477766 | 0.17317579319420726 | 364857.06596499996 | 364857.06596499996 0.16055358059987018 [BUHVARAN] BANQUE DE L'UNION HAÏTIENNE (BUH) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2019 | Var. | 2018 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1783778.21553 | 0.41118161231659467 | 1264031.64551 | 1264031.64551 | 0.22116506088918145 | 1035103.02251 | 0.42591239952377763 | 725923.2915399999 | 0.8845264640402788 | 385201.96207999997 Intérêts sur Bons B.R.H. | 22442.35714 | -0.2789359630205743 | 31123.944600000003 | 31123.944600000003 | 0 | 9215.50989 | 0 | 0 | 0 | 3867.6326100000006 Autres | 24393.112810000002 | 0.08939996835998403 | 22391.32873 | 22391.32873 | 0.12066938081355189 | 19980.31633 | -0.08313207762446019 | 21791.92427 | 0.6049126025536513 | 13578.262289999999 1830613.68548 | 0.38941062310837204 | 1317546.91884 | 1317546.91884 | 0.23794827027408164 | 1064298.84873 | 0.42340135151194574 | 747715.2158099998 | 0.8569953939855189 | 402647.8569799999 Dépenses d'intérêt | 442666.0916 | 0.15133832571097428 | 384479.59363 | 384479.59363 | 0.17506176462672962 | 327199.47598 | 0.7154598714681917 | 190735.72131999998 | 2.313499405397399 | 57563.22787 1387947.59388 | 0.4875106612136728 | 933067.3252099999 | 933067.3252099999 | 0.2658636809428759 | 737099.37275 | 0.3233869110835535 | 556979.4944899998 | 0.6140373911364677 | 345084.6291099999 AUTRES REVENUS Commissions | 251808.01506000003 | 0.12171206691205605 | 224485.42945 | 224485.42945 | 0.25489435869997923 | 178887.91027999998 | 0.12428363578723405 | 159112.79377000002 | 0.1929474350777089 | 133377.87491 Gains sur change | 163484.23996 | 0.050628347786426206 | 155606.15730999998 | 155606.15730999998 | 0.5599324065328269 | 99751.85889999999 | 0.04219004335993593 | 95713.69400000034 | -0.21576768278007605 | 122047.62784999989 Autres | 155071.80038000003 | 0.25836634605021336 | 123232.63481 | 123232.63481 | 0.12502713113150699 | 109537.4781638 | 0.2383367195517072 | 88455.32595 | 1.010835766485657 | 43989.3339 570364.0554000001 | 0.13319413403329824 | 503324.22157 | 503324.22157 | 0.2966350424042679 | 388177.2473437999 | 0.13078302382898382 | 343281.8137200003 | 0.14650902924297468 | 299414.8366599999 PRODUIT NET BANCAIRE | 1958311.64928 | 0.36335503621558013 | 1436391.54678 | 1436391.54678 | 0.2764786196839906 | 1125276.6200938 | 0.24994444372067956 | 900261.3082100002 | 0.3968379432780989 | 644499.4657699999 Dotation à la provision pour créances douteuses | 174662.85864 | 2.9449199995853053 | 44275.386739999994 | 44275.386739999994 | 332.19705981864206 | -133.68290999999954 | 0.9883749551313721 | -11499.560776816 | -1.2203418190418815 | 52189.64256 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1783648.79064 | 0.28124997168968285 | 1392116.16004 | 1392116.16004 | 0.23698544106477726 | 1125410.3030037999 | 0.2343261717893193 | 911760.8689868161 | 0.5393309941164975 | 592309.82321 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 483249.1924099999 | 0.3468627523064355 | 358796.16656000004 | 358796.16656000004 | 0.12101880036317637 | 320062.5774017 | 0.1695770263627666 | 273656.689715472 | -0.8487137178047441 | 192605.29409 Frais de locaux | 215323.59758 | 0.38336549129692954 | 155651.99430999998 | 155651.99430999998 | 0.1751680758490497 | 132450.83619 | 0.16827445685430029 | 113373.048099192 | 0.35835630698586324 | 83463.40905999998 Amortissement | 91080.75462 | 0.5061696738011746 | 60471.77566 | 60471.77566 | 0.2171817192507069 | 49681.79746999998 | 0.4663443059778242 | 33881.399659999995 | -0.767174788281636 | 20769.258820000003 Autres dépenses d'exploitation | 382507.42065 | 0.2923777344801969 | 295971.84355999995 | 295971.84355999995 | -0.05728918667966494 | 313958.25674 | 0.3525353060681947 | 232125.738479 | 1.0607167760373266 | 112643.20317000001 1172160.96526 | 0.3459318276478233 | 870891.78009 | 870891.78009 | 0.06706865123753873 | 816153.4678017 | 0.24978159404831188 | 653036.8759536641 | -0.07328354796379526 | 409481.16513999994 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 611487.82538 | 0.1731757931942072 | 521224.37995 | 521224.37995 | 0.6854094093324694 | 309256.8352020999 | 0.1953156395606212 | 258723.99303315207 | 1.9114031797401583 | 182828.65807 Impôts sur le revenu | 183446.34761400003 | 0.17317579319420734 | 156367.313985 | 156367.313985 | 0.6854094093324684 | 92777.05056063001 | 0.19531563956062076 | 77617.1979099457 | 0.6282232012594042 | 47669.875880597974 BÉNÉFICE NET (PERTE NETTE) | 428041.477766 | 0.17317579319420726 | 364857.06596499996 | 364857.06596499996 | 1.01459622603773 | 181106.7951232064 | 2.3639748093137953 | 135158.78218940203 | 13.125601191263991 | 9568.356090429006 [capitalbkinfin ] CAPITAL BANK (CAPITALBK) INDICATEURS FINANCIERS Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 25806631 | 0.05368314058506901 | 27192012 | 0.07252504890039031 | 29164114 | 0.029617083515720725 | 30027870 | 0.30405627182646927 | 23026514 | 0.2062390070526685 | 19089512 | 0.11554469162172963 | 17112279 | 0.20909011517116274 | 14153022 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 440000 | 0.7920125115055349 | 245534 | 0.07089148639218423 | 229280 | 0.5929523253713508 | 143934 Prêts nets | 10558877 | -0.022446799976929364 | 10321864 | 0.07720146283655743 | 11118727 | 0.03716315725712125 | 11531934 | 0.2434758389385495 | 9273951 | 0.20452122561006972 | 7699284 | 0.07834272162318838 | 7139923 | 0.30510170489431215 | 5470779 Dépôts | 20879003 | 0.059795958648025484 | 22127483 | 0.06635933241932668 | 23595848 | 0.02191372821184473 | 24112921 | 0.27677891446696967 | 18885745 | 0.2107413297576042 | 15598497 | 0.08832162332950082 | 14332617 | 0.194749048897493 | 11996341 Avoir des Actionnaires | 2281403 | 0.026781327104417763 | 2342502 | 0.12266841180925353 | 2629853 | 0.08728472656076214 | 2859399 | 0.3334304859230561 | 2144393 | 0.19924244584964235 | 1788123 | 0.17168837329992373 | 1526108 | 0.21004823992464297 | 1261196 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) Résultats Revenus nets d'intérêt | 320499 | 0.23326714843118695 | 259878 | 334073 | 0.24984286847342982 | 267292 | 345071 | 0.2373058815514416 | 278889 | 368591 | 0.2688988264292673 | 290481 | 1368234 | 0.2477739070166159 | 1096540 Autres revenus | 279094 | 0.2540788770113548 | 222549 | 373883 | 0.5404769556582861 | 242706 | 407471 | 0.547624654370879 | 263288 | 389552 | 0.4300209243419845 | 272410 | 1450000 | 0.44861946564923627 | 1000953 Dot. à la prov. pr créances douteuses | 14231 | 0.48642155838729895 | 9574 | 19252 | 0.4911315932150879 | 12911 | 13057 | -0.10666392993979201 | 14616 | 42121 | 1.8575983717774762 | 14740 | 88661 | 0.7102486448949673 | 51841 Dépenses d'exploitation | 377178 | 0.17274787870119612 | 321619 | 396372 | 0.15896212347151803 | 342006 | 414608 | 0.1716359916466735 | 353871 | 464336 | 0.2315363438168036 | 377038 | 1652494 | 0.1849793551107395 | 1394534 Bénéfice (perte) net | 166547 | 0.37655800575263665 | 120988 | 266743 | 1.150095517527668 | 124061 | 287351 | 1.0679875064770568 | 138952 | 229541 | 0.6766933769658366 | 136901 | 950182 | 0.824108949476101 | 520902 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) | 2018 | 2017 | 2016 | 2015 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.08840375173342076 | 0.09534873584975903 | 0.08614669631655061 | 0.09010135015562101 | 0.09017428062446882 | 0.09405017703523051 | 0.0952248361272378 | 0.09312712293315437 | 0.0952248361272378 | 0.09312712293315437 | 0.09312712293315437 | 0.09367044060633924 | 0.08918204290614944 | 0.08911142793390697 Dépôts en % de l'actif | 0.8090557423012713 | 0.8141459178226423 | 0.8137493834586422 | 0.8231033722209862 | 0.8090713127784372 | 0.8147920927636872 | 0.8030180295838499 | 0.8201738656576502 | 0.8030180295838499 | 0.8201738656576502 | 0.8201738656576502 | 0.8171239264785816 | 0.8375633076108682 | 0.8476169259116534 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.004775222331496316 | 0.007880723866580943 | 0.004130496807432598 | 0.006650111506752624 | 0.006384856844350402 | 0.0040527249035255675 | 0.00771156692827035 | 0.003676423186317951 | 0.00771156692827035 | 0.003676423186317951 | 0.003676423186317951 | 0.00561605342940618 | 0.011824286281881643 | 0.006285618990994649 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.8974683044354043 | 0.5949955645284635 | 1.0661093337692362 | 0.7213173183162848 | 0.7039488445142472 | 0.966495861253449 | 0.8499374413512668 | 0.97007335534968 | 0.8499374413512668 | 0.97007335534968 | 0.97007335534968 | 0.8785842500115064 | 0.6269237552172124 | 1.3248644595685777 Prêts improductifs nets en % de l'avoir des actionnaires | 0.002275792571500958 | 0.014009492383396636 | -0.0012085368550379038 | 0.008369101009344194 | 0.008027825129389361 | 0.0005927794481870912 | 0.004697840350367332 | 0.0004775244090052523 | 0.004697840350367332 | 0.0004775244090052523 | 0.0004775244090052523 | 0.0029505800216204367 | 0.020792761718043545 | -0.00893199788137609 Rentabilité ROA (rendement de l'actif) | 0.027284255396616375 | 0.02487352178676621 | 0.04026412525316922 | 0.024468590036969835 | 0.04079073852592352 | 0.02641478031588258 | 0.03102325477044324 | 0.024682736080239763 | 0.035819170004876506 | 0.02473652191211013 | 0.02473652191211013 | 0.02293952804710684 | 0.023824430796300346 | 0.029350489047277058 ROE (rendement avoir des action.) | 0.30104776632271346 | 0.26314109622186516 | 0.46150256114690935 | 0.2640517819121411 | 0.46231775486665777 | 0.28679226590492546 | 0.33453155366159176 | 0.2637857262424176 | 0.37978477122949955 | 0.26492047330513085 | 0.26492047330513085 | 0.25057155038378437 | 0.2672395978336055 | 0.33786765774630395 Revenus nets d'intérêt en % des revenus d'intérêt | 0.7779857267695893 | 0.7972182427810209 | 0.7706964050485733 | 0.7907228541423226 | 0.7622795642867084 | 0.7897652132790001 | 0.7146865268799274 | 0.7770362087782747 | 0.7543258814124651 | 0.7883236027626626 | 0.7883236027626626 | 0.7824669660532327 | 0.7757136292247017 | 0.8846842975361869 Rendement moyen des prêts | 0.15674103771459932 | 0.15327567053521823 | 0.15639523492477364 | 0.15061961815411276 | 0.15920993460155564 | 0.1560773568986086 | 0.1719019022042641 | 0.15554804449352458 | 0.1642953644965965 | 0.15362525833686036 | 0.15362525833686036 | 0.15571465197765572 | 0.15802953367459835 | 0.14666681745336588 Rendement moyen des prêts productifs | 0.15741186643487046 | 0.1543231955246419 | 0.15709533019324295 | 0.15172114567600176 | 0.1600581823342114 | 0.1569132040264162 | 0.17312433310830205 | 0.15615061704405142 | 0.1652731115919503 | 0.15432852191630367 | 0.15432852191630367 | 0.15706652775037006 | 0.15953236774373156 | 0.14756336380898757 Rémunération moyenne des dépôts | 0.018400418380621952 | 0.016662313278233823 | 0.01848949016666928 | 0.01704192882893471 | 0.018828374511909468 | 0.017234383465554434 | 0.024674206119214687 | 0.018380808064435924 | 0.020726968599444458 | 0.017076611398330867 | 0.017076611398330867 | 0.017747084188045926 | 0.018463017032424905 | 0.008871019132083869 Dépenses d'exploitation en % du produit net bancaire | 0.6290567101350416 | 0.6666687395191396 | 0.5598822525693687 | 0.6706026298142346 | 0.5509433360530044 | 0.6526853776534232 | 0.6124649307584453 | 0.6698241755508615 | 0.5863579816296305 | 0.6648575227664645 | 0.6648575227664645 | 0.6942270591089116 | 0.6752080410433678 | 0.6218392164985058 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 3139.2303664921465 | 2856.7105847520356 | 3780.8064085447263 | 2928.91888011486 | 3965.965744400527 | 3048.078706957133 | 3877.9693094629156 | 3022.23355704698 | 3603.8797953964195 | 2915.209173036831 | 2915.209173036831 | 2744.01866251944 | 2582.7159663865546 | 2457.9636363636364 [capitalbkvar] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 ACTIF Disponibilités Encaisse | 711643 | 0.08142284825397003 | 769587 | 0.29040121519724216 | 993076 | -0.08703966262400864 | 906639 | 0.36873896043116594 | 662390 | 0.4209437920722839 | 466162 | -0.03547434653336285 | 483307 | 0.37184257958303174 | 352305 Avoirs à la BRH | 8442509 | 0.08351178541829213 | 9147558 | 0.11566791924139753 | 10205637 | 0.04855777253296389 | 10701200 | 0.34097948443742254 | 7980137 | 0.09000589658480243 | 7321187 | 0.276110397724569 | 5737111 | 0.05896006485428091 | 5417684 Avoirs à l'étranger | 2748317 | 0.07156816335233526 | 2945009 | 0.09302959685352405 | 3218982 | 0.05354953833230506 | 3391357 | 1.211371421082043 | 1533599 | 0.6734546232269455 | 916427 | -0.3997172911567023 | 1526659 | 0.5312327923507517 | 997013 Avoirs dans les banques locales | 2113 | -0.3028868906767629 | 1473 | 0.1934826883910387 | 1758 | 0.29579067121729236 | 2278 | 0.494750656167979 | 1524 | 0.2904318374259102 | 1181 | 0.5498687664041995 | 762 | -0.9629233164655508 | 20552 Autres liquidités | 235475 | 0.4778384117209895 | 347994 | -0.16792530905705272 | 289557 | -0.9035181328719388 | 27937 | -0.892342552379778 | 259499 | 0.1386629106003563 | 227898 | 0.42006679793624285 | 160484 | 0.3365535965620914 | 120073 12140057 | 0.0882668013832225 | 13211621 | 0.11333877954870186 | 14709010 | 0.021782635269130962 | 15029411 | 0.4399919939822647 | 10437149 | 0.16840013635058446 | 8932855 | 0.12955110710576692 | 7908323 | 0.14486827386597453 | 6907627 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 440000 | 0.7920125115055349 | 245534 | 0.07089148639218423 | 229280 | 0.5929523253713508 | 143934 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 1678962 | 0.039265331794287185 | 1744887 | 0.05478520958663799 | 1840481 | 0.1802066959669782 | 2172148 | 0.4658966059922202 | 1481788 | 0.27523884027887147 | 1161969 | 0.07885307987346814 | 1077041 | 0.021648253351533222 | 1054219 Portefeuille net | 10558877 | -0.022446799976929364 | 10321864 | 0.07720146283655743 | 11118727 | 0.03716315725712125 | 11531934 | 0.2434758389385495 | 9273951 | 0.20452122561006972 | 7699284 | 0.07834272162318838 | 7139923 | 0.30510170489431215 | 5470779 Immobilisations | 793098 | -0.009814676118209855 | 785314 | -0.00945609017539481 | 777888 | 0.033792782508535936 | 804175 | 0.017281161370956113 | 790514 | 0.278408300693126 | 618358 | 0.20392118686967017 | 513620 | 0.6521753116204262 | 310875 Autres actifs | 635637 | 0.7751106370459869 | 1128326 | -0.36365199419316757 | 718008 | -0.3172750164343573 | 490202 | -0.18721232540556315 | 603112 | 0.397671443667847 | 431512 | 0.7678252462186389 | 244092 | -0.08093739174962725 | 265588 25806631 | 0.05368314058506901 | 27192012 | 0.07252504890039031 | 29164114 | 0.029617083515720725 | 30027870 | 0.30405627182646927 | 23026514 | 0.2062390070526685 | 19089512 | 0.11554469162172963 | 17112279 | 0.20909011517116274 | 14153022 PASSIF Dépôts À vue | 8746627 | 0.044905081696064095 | 9139395 | 0.013498158247892775 | 9262760 | 0.04250039944897633 | 9656431 | 0.21007103586906 | 7980053 | 0.2223819716093716 | 6528281 | 0.07982754599572918 | 6045670 | 0.030597248874523305 | 5866181 Épargne | 4652582 | 0.07989907539512468 | 5024319 | 0.10065523307735834 | 5530043 | 0.009112225709637338 | 5580434 | 0.32483274693863984 | 4212180 | 0.1212802279519595 | 3756581 | 0.04918099175838831 | 3580489 | 0.272759103516992 | 2813171 À terme | 7479794 | 0.06470432207090196 | 7963769 | 0.10538678356943804 | 8803045 | 0.008293834690155509 | 8876056 | 0.3260685870138128 | 6693512 | 0.25968607177572417 | 5313635 | 0.12900933143353238 | 4706458 | 0.4188946662168611 | 3316989 20879003 | 0.059795958648025484 | 22127483 | 0.06635933241932668 | 23595848 | 0.02191372821184473 | 24112921 | 0.27677891446696967 | 18885745 | 0.2107413297576042 | 15598497 | 0.08832162332950082 | 14332617 | 0.194749048897493 | 11996341 Obligations à vue Banques locales | 300000 | 0 | 0 | 0 | 400000 | 0 | 400000 | 0 | 0 | 0 | 0 | 0 | 232976 | 0.39773579472165393 | 166681 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 882557 | -0.03900711228849808 | 848131 | 0.14103481655546135 | 967747 | 0.07525520616442108 | 1040575 | 0.7425776232652931 | 597147 | 0.24257034296487118 | 480574 | 0.315426578747841 | 365337 | 0.09565710275580987 | 333441 1182557 | -0.28279905323802573 | 848131 | 0.6126600725595457 | 1367747 | 0.05324668962900302 | 1440575 | 1.412429435298176 | 597147 | 0.24257034296487118 | 480574 | -0.19678496038026919 | 598313 | 0.19633409448094666 | 500122 Obligations à terme Banques locales | 572090 | 0.08752643814784387 | 622163 | 0.024247665000972415 | 637249 | -0.04337237092565073 | 609610 | 0 | 531816 | 0 | 514416 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 109496 | -0.18587893621684812 | 89143 | 0.5558596861222979 | 138694 | 0.30166409505818564 | 180533 | 0.011587706272938671 | 178465 | 0.18098017417083564 | 151116 | 0.6990207211360084 | 88943 | -0.20431021372147323 | 111781 681586 | 0.043604182010780736 | 711306 | 0.09087087695028581 | 775943 | 0.018300313296208612 | 790143 | 0.1124371903514243 | 710281 | 0.06723793897213057 | 665532 | 6.482679918599553 | 88943 | -0.20431021372147323 | 111781 Autres passifs | 782082 | 0.4865321027718321 | 1162590 | -0.31642023413241127 | 794723 | 0.037886156560210285 | 824832 | 0.19723404378850073 | 688948 | 0.23736588204444795 | 556786 | -0.016796810160021755 | 566298 | 0.9969462095619609 | 283582 23525228 | 0.056291994279502836 | 24849510 | 0.06779815779063651 | 26534261 | 0.023901551281190758 | 27168471 | 0.30103982253526834 | 20882121 | 0.20696211153913713 | 17301389 | 0.11004742601630638 | 15586171 | 0.20899638266914244 | 12891826 AVOIR DES ACTIONNAIRES Capital versé | 810000 | 0 | 810000 | 0 | 810000 | 0 | 810000 | 0 | 810000 | 0.5 | 540000 | 0 | 540000 | 1 | 270000 Réserves | 279593 | 0.2221264480870408 | 341698 | 0.012841749146907503 | 346086 | 0.035075096941222704 | 358225 | 0.3670101125739363 | 262050 | -0.07337340876944837 | 282800 | 0.26968163675791196 | 222733 | -0.029168573607932877 | 229425 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 | 0 | 1384 BNR | 1190426 | -0.0008450756283884929 | 1189420 | 0.23789998486657363 | 1472383 | 0.1476565540351933 | 1689790 | 0.5778288431209785 | 1070959 | 0.1110236228641024 | 963939 | 0.2650267522844758 | 761991 | 0.002109452160544565 | 760387 2281403 | 0.026781327104417763 | 2342502 | 0.12266841180925353 | 2629853 | 0.08728472656076214 | 2859399 | 0.3334304859230561 | 2144393 | 0.19924244584964235 | 1788123 | 0.17168837329992373 | 1526108 | 0.21004823992464297 | 1261196 25806631 | 0.05368314058506901 | 27192012 | 0.07252504890039031 | 29164114 | 0.029617083515720725 | 30027870 | 0.30405627182646927 | 23026514 | 0.2062390070526685 | 19089512 | 0.11554469162172963 | 17112279 | 0.20909011517116274 | 14153022 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 446713 | 463423 | 362887 | 372570 | 435120 | 154018 | 123434 | 140675 Portefeuille brut | 10604323 | -0.022330987088944765 | 10367518 | 0.07729998636124866 | 11168927 | 0.03931353477375221 | 11608017 | 0.24721579466268062 | 9307144 | 0.2028678137611532 | 7737462 | 0.07565652557968962 | 7193246 | 0.3038990559607883 | 5516720 Provisions pour créances douteuses | 45446 | 0.004576860449764556 | 45654 | 0.09957506461646295 | 50200 | 0.5155976095617529 | 76083 | 1.2921399090169614 | 33193 | -0.13057258106763056 | 38178 | -0.2840237796072989 | 53323 | 0.16068435602185413 | 45941 Portefeuille de crédit improductif | 50638 | -0.15433073976065406 | 42823 | 0.6652733344230904 | 71312 | 0.2552726048911824 | 89516 | 1.61612648683403 | 34217 | -0.21256961384452525 | 43454 | -0.4891070483804597 | 85055 | 1.452849232898835 | 34676 [capitalbkcomp ] CAPITAL BANK (CAPITALBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 18 | Comp. | Mars 19 | Comp. | Juin 19 | Comp. | Sept. 19 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. | 2015 | Comp. ACTIF Disponibilités Encaisse | 711643 | 0.027575974562506822 | 769587 | 0.02830195132305767 | 993076 | 0.03405130016979086 | 906639 | 0.030193250470313078 | 662390 | 0.028766403807367454 | 466162 | 0.024419796587780766 | 483307 | 0.028243286589705555 | 352305 | 0.024892563581120696 Avoirs à la BRH | 8442509 | 0.32714494968366853 | 9147558 | 0.3364060739602498 | 10205637 | 0.3499381808753045 | 10701200 | 0.35637559374008215 | 7980137 | 0.3465629665002701 | 7321187 | 0.3835188138911042 | 5737111 | 0.3352628250158848 | 5417684 | 0.38279344157028794 Avoirs à l'étranger | 2748317 | 0.10649654346590223 | 2945009 | 0.10830419609994288 | 3218982 | 0.11037475714160218 | 3391357 | 0.11294031178368628 | 1533599 | 0.06660144040908668 | 916427 | 0.04800683223332267 | 1526659 | 0.08921424200715755 | 997013 | 0.0704452377732473 Avoirs dans les banques locales | 2113 | 8.187818084429541e-05 | 1473 | 5.4170320313186096e-05 | 1758 | 6.027956138149782e-05 | 2278 | 7.58628567394224e-05 | 1524 | 6.618457314033726e-05 | 1181 | 6.186643220633403e-05 | 762 | 4.4529428254413106e-05 | 20552 | 0.0014521280331507998 Autres liquidités | 235475 | 0.009124592822674141 | 347994 | 0.012797655429101752 | 289557 | 0.009928537517032062 | 27937 | 0.0009303690205132765 | 259499 | 0.011269573848651168 | 227898 | 0.011938387948314236 | 160484 | 0.009378294965854636 | 120073 | 0.00848391248173005 12140057 | 0.470423938715596 | 13211621 | 0.4858640471326653 | 14709010 | 0.5043530552651111 | 15029411 | 0.5005153878713342 | 10437149 | 0.4532665691385157 | 8932855 | 0.4679456970927282 | 7908323 | 0.46214317800685695 | 6907627 | 0.4880672834395368 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 440000 | 0.01910840694340446 | 245534 | 0.012862246033319239 | 229280 | 0.013398566023847555 | 143934 | 0.010169842172223007 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 1678962 | 0.0650593252563653 | 1744887 | 0.06416910230842793 | 1840481 | 0.06310772890271928 | 2172148 | 0.07233773158069487 | 1481788 | 0.0643513820633032 | 1161969 | 0.06086949734492951 | 1077041 | 0.06293965870939809 | 1054219 | 0.0744872013906288 Portefeuille net | 10558877 | 0.40915363962076257 | 10321864 | 0.37959177128930366 | 11118727 | 0.3812468638683829 | 11531934 | 0.38404102588695105 | 9273951 | 0.40275097654816533 | 7699284 | 0.4033253443042441 | 7139923 | 0.41723974930516267 | 5470779 | 0.38654493718726646 Immobilisations | 793098 | 0.03073233387186417 | 785314 | 0.028880319705654734 | 777888 | 0.026672780116001465 | 804175 | 0.026780953827227838 | 790514 | 0.03433059819649644 | 618358 | 0.032392551470147586 | 513620 | 0.03001470464571084 | 310875 | 0.0219652735648966 Autres actifs | 635637 | 0.024630762535411927 | 1128326 | 0.041494759563948415 | 718008 | 0.024619571847785262 | 490202 | 0.016324900833792073 | 603112 | 0.02619206711011489 | 431512 | 0.02260466375463134 | 244092 | 0.014264143309023888 | 265588 | 0.018765462245448356 25806631 | 1 | 27192012 | 1 | 29164114 | 1 | 30027870 | 1 | 23026514 | 1 | 19089512 | 1 | 17112279 | 1 | 14153022 | 1 PASSIF Dépôts À vue | 8746627 | 0.33892944026672833 | 9139395 | 0.33610587550490933 | 9262760 | 0.3176081399215488 | 9656431 | 0.32158228339206213 | 7980053 | 0.34655931853167177 | 6528281 | 0.34198260280304704 | 6045670 | 0.35329426314285783 | 5866181 | 0.4144825748168836 Épargne | 4652582 | 0.1802862992848621 | 5024319 | 0.18477187344577517 | 5530043 | 0.18961806965917086 | 5580434 | 0.1858418196162432 | 4212180 | 0.1829273853610668 | 3756581 | 0.19678769158687764 | 3580489 | 0.2092350761695739 | 2813171 | 0.198768220666936 À terme | 7479794 | 0.2898400027496809 | 7963769 | 0.2928716345079577 | 8803045 | 0.30184510319771757 | 8876056 | 0.2955939265755447 | 6693512 | 0.29068716176491155 | 5313635 | 0.2783536320886569 | 4706458 | 0.27503396829843646 | 3316989 | 0.23436613042783372 20879003 | 0.8090557423012713 | 22127483 | 0.8137493834586422 | 23595848 | 0.8090713127784372 | 24112921 | 0.8030180295838499 | 18885745 | 0.8201738656576502 | 15598497 | 0.8171239264785816 | 14332617 | 0.8375633076108682 | 11996341 | 0.8476169259116534 Obligations à vue Banques locales | 300000 | 0.011624919192280465 | 0 | 0 | 400000 | 0.013715486093628628 | 400000 | 0.01332095816319972 | 0 | 0 | 0 | 0 | 232976 | 0.013614551282152424 | 166681 | 0.01177706075776608 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 882557 | 0.03419884602527157 | 848131 | 0.03119044666499853 | 967747 | 0.03318280130162706 | 1040575 | 0.03465364010167887 | 597147 | 0.02593301791143896 | 480574 | 0.02517476612288465 | 365337 | 0.0213494064700558 | 333441 | 0.02355970336229252 1182557 | 0.045823765217552034 | 848131 | 0.03119044666499853 | 1367747 | 0.04689828739525569 | 1440575 | 0.04797459826487859 | 597147 | 0.02593301791143896 | 480574 | 0.02517476612288465 | 598313 | 0.03496395775220822 | 500122 | 0.0353367641200586 Obligations à terme Banques locales | 572090 | 0.022168333402372436 | 622163 | 0.02288035912899715 | 637249 | 0.021850449494196875 | 609610 | 0.020301473264670456 | 531816 | 0.023095810334121787 | 514416 | 0.0269475720489869 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 109496 | 0.0042429405062598055 | 89143 | 0.003278278929856312 | 138694 | 0.004755639070674322 | 180533 | 0.006012181350192338 | 178465 | 0.007750413284442447 | 151116 | 0.007916179313541383 | 88943 | 0.005197612778520032 | 111781 | 0.007898030540756596 681586 | 0.02641127390863224 | 711306 | 0.02615863805885346 | 775943 | 0.0266060885648712 | 790143 | 0.02631365461486279 | 710281 | 0.030846223618564234 | 665532 | 0.034863751362528284 | 88943 | 0.005197612778520032 | 111781 | 0.007898030540756596 Autres passifs | 782082 | 0.030305466839123635 | 1162590 | 0.042754835500955206 | 794723 | 0.02725003063696706 | 824832 | 0.027468881409170882 | 688948 | 0.029919769879192308 | 556786 | 0.0291671154296663 | 566298 | 0.03309307895225411 | 283582 | 0.020036851493624473 23525228 | 0.9115962482665793 | 24849510 | 0.9138533036834494 | 26534261 | 0.9098257193755311 | 27168471 | 0.9047751638727622 | 20882121 | 0.9068728770668456 | 17301389 | 0.9063295593936608 | 15586171 | 0.9108179570938506 | 12891826 | 0.910888572066093 AVOIR DES ACTIONNAIRES Capital versé | 810000 | 0.03138728181915725 | 810000 | 0.029788159846354877 | 810000 | 0.027773859339597973 | 810000 | 0.026974940280479434 | 810000 | 0.035176840054903666 | 540000 | 0.028287784412718356 | 540000 | 0.03155628773934787 | 270000 | 0.019077197788571233 Réserves | 279593 | 0.010834153439090907 | 341698 | 0.012566116843431814 | 346086 | 0.011866844300498895 | 358225 | 0.01192975059503055 | 262050 | 0.011380359180725315 | 282800 | 0.014814417466512502 | 222733 | 0.013015975253792906 | 229425 | 0.01621031889867761 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 1384 | 5.3629627207053876e-05 | 1384 | 5.089730028068537e-05 | 1384 | 4.7455581883955054e-05 | 1384 | 4.609051524467103e-05 | 1384 | 6.010462547652675e-05 | 1384 | 7.250054375407815e-05 | 1384 | 8.087759672455083e-05 | 1384 | 9.778830273845402e-05 BNR | 1190426 | 0.04612868684796555 | 1189420 | 0.043741522326483234 | 1472383 | 0.050486121402488 | 1689790 | 0.05627405473648314 | 1070959 | 0.046509819072048854 | 963939 | 0.050495738183354295 | 761991 | 0.04452890231628411 | 760387 | 0.05372612294391968 2281403 | 0.08840375173342076 | 2342502 | 0.08614669631655061 | 2629853 | 0.09017428062446882 | 2859399 | 0.0952248361272378 | 2144393 | 0.09312712293315437 | 1788123 | 0.09367044060633924 | 1526108 | 0.08918204290614944 | 1261196 | 0.08911142793390697 25806631 | 1 | 27192012 | 1 | 29164114 | 1 | 30027870 | 1 | 23026514 | 1 | 19089512 | 1 | 17112279 | 1 | 14153022 | 1 [capitalbkgdes&$] CAPITAL BANK (CAPITALBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Septembre 19 | Septembre 18 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 493798 | 412841 | 906639 | 0.544646766794722 | 371158 | 291232 | 662390 | 0.5603315267440632 Avoirs à la BRH | 8057935 | 2643265 | 10701200 | 0.7529935895039809 | 5825148 | 2154989 | 7980137 | 0.7299558892284681 Avoirs à l'étranger | 3391357 | 0 | 3391357 | 1 | 1533599 | 0 | 1533599 | 1 Avoirs dans les banques locales | 1359 | 919 | 2278 | 0.5965759438103599 | 669 | 855 | 1524 | 0.4389763779527559 Autres liquidités | 17347 | 10590 | 27937 | 0.6209328131152235 | 135609 | 123890 | 259499 | 0.5225800484780289 11961796 | 3067615 | 15029411 | 0.7958925336461955 | 7866183 | 2570966 | 10437149 | 0.7536716204779677 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 440000 | 440000 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 1288083 | 884065 | 2172148 | 0.592999648274427 | 905037 | 576751 | 1481788 | 0.6107736059409308 Portefeuille net | 7201344 | 4330590 | 11531934 | 0.6244697550298155 | 5470705 | 3803246 | 9273951 | 0.5899001407275065 Immobilisations | 0 | 804175 | 804175 | 0 | 0 | 790514 | 790514 | 0 Autres actifs | 180573 | 309629 | 490202 | 0.3683644701572005 | 354331 | 248781 | 603112 | 0.5875044767804322 20631796 | 9396074 | 30027870 | 0.6870882283691784 | 14596256 | 8430258 | 23026514 | 0.6338890897684296 PASSIF Dépôts À vue | 7679847 | 1976584 | 9656431 | 0.7953090536244706 | 5505330 | 2474723 | 7980053 | 0.6898863954913582 Épargne | 4042688 | 1537746 | 5580434 | 0.7244397120367341 | 2826180 | 1386000 | 4212180 | 0.6709542327250972 À terme | 7392663 | 1483393 | 8876056 | 0.8328770120422855 | 5300161 | 1393351 | 6693512 | 0.791835586460441 19115198 | 4997723 | 24112921 | 0.7927367240161406 | 13631671 | 5254074 | 18885745 | 0.7217968367146755 Obligations à vue Banques locales | 0 | 400000 | 400000 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 651414 | 389161 | 1040575 | 0.6260135021502534 | 343200 | 253947 | 597147 | 0.5747328547242136 651414 | 789161 | 1440575 | 0.4521902712458567 | 343200 | 253947 | 597147 | 0.5747328547242136 Obligations à terme Banques locales | 0 | 609610 | 609610 | 0 | 0 | 531816 | 531816 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 180533 | 180533 | 0 | 0 | 178465 | 178465 | 0 0 | 790143 | 790143 | 0 | 0 | 710281 | 710281 | 0 Autres passifs | 746731 | 78101 | 824832 | 0.9053128394630664 | 617380 | 71568 | 688948 | 0.896119881326312 20513343 | 6655128 | 27168471 | 0.7550422325938033 | 14592251 | 6289870 | 20882121 | 0.6987916122121886 AVOIR DES ACTIONNAIRES Capital versé | 0 | 810000 | 810000 | 0 | 0 | 810000 | 810000 | 0 Réserves | 0 | 358225 | 358225 | 0 | 0 | 262050 | 262050 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 1384 | 1384 | 0 | 0 | 1384 | 1384 BNR | 0 | 1689790 | 1689790 | 0 | 0 | 1070959 | 1070959 | 0 0 | 2859399 | 2859399 | 0 | 0 | 2144393 | 2144393 | 0 20513343 | 9514527 | 30027870 | 0.6831434597259146 | 14592251 | 8434263 | 23026514 | 0.633715159837047 *Converties au taux de 93.3162 gdes | *Converties au taux de 69.9774 Gdes [CAPITALBKRÉSULT ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2019 | 2018 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 390118 | 0.05093074403129309 | 409987 | 0.04540387865956726 | 428602 | 0.1419102104049911 | 489425 | 307201 | 0.025608640596873056 | 315068 | 0.06518592811710489 | 335606 | 0.046959827893422644 | 351366 Intérêts sur Bons B.R.H. | 5453 | -0.924812030075188 | 410 | 0 | 0 | 0 | 0 | 7077 | -0.1582591493570722 | 5957 | -0.3518549605506127 | 3861 | 0.7806267806267806 | 6875 Autres | 16389 | 0.4077735066202941 | 23072 | 0.04373266296809986 | 24081 | 0.0926871807649184 | 26313 | 11703 | 0.4534734683414509 | 17010 | -0.19682539682539682 | 13662 | 0.1411945542380325 | 15591 411960 | 0.05221137974560637 | 433469 | 0.044326122513951405 | 452683 | 0.13929173395068956 | 515738 | 325981 | 0.03697761525978508 | 338035 | 0.04465218098717588 | 353129 | 0.05862730050491463 | 373832 Dépenses d'intérêt | 91461 | 0.08675829041886705 | 99396 | 0.08265926194213047 | 107612 | 0.36738467828866667 | 147147 | 66103 | 0.07019348592348305 | 70743 | 0.04943245268083061 | 74240 | 0.12272359913793103 | 83351 320499 | 0.042352706248693445 | 334073 | 0.032920948415466084 | 345071 | 0.06815988593651741 | 368591 | 259878 | 0.028528771192636544 | 267292 | 0.04338700746748874 | 278889 | 0.041564923679313276 | 290481 AUTRES REVENUS Commissions | 174104 | -0.02698387170886367 | 169406 | 0.19857029857265976 | 203045 | -0.0318944076436258 | 196569 | 145722 | 0.035306954337711534 | 150867 | 0.13296479680778434 | 170927 | 0.022091302134829488 | 174703 Gains sur change | 57869 | 0.10019181254212099 | 63667 | -0.10338165768765609 | 57085 | -0.21019532276429886 | 45086 | 46864 | 0.013528508023216115 | 47498 | 0.0670554549665249 | 50683 | -0.08454511374622654 | 46398 Autres | 47121 | 1.9882642558519557 | 140810 | 0.046381649030608624 | 147341 | 0.0037735592944258558 | 147897 | 29963 | 0.4798584921403064 | 44341 | -0.06005728332694346 | 41678 | 0.2310811459283075 | 51309 279094 | 0.33963109203350844 | 373883 | 0.08983559027824213 | 407471 | -0.04397613572499638 | 389552 | 222549 | 0.0905733119447852 | 242706 | 0.08480218865623429 | 263288 | 0.03464647078484397 | 272410 PRODUIT NET BANCAIRE | 599593 | 0.18072759355095874 | 707956 | 0.0629784901886558 | 752542 | 0.007442773958131241 | 758143 | 482427 | 0.057150615533541865 | 509998 | 0.06309632586794459 | 542177 | 0.038205235559605075 | 562891 Dotation à la provisions pour créances douteuses | 14231 | 0.3528213056004497 | 19252 | -0.3217847496364014 | 13057 | 2.2259324500268054 | 42121 | 9574 | 0.34854815124294963 | 12911 | 0.1320579350941058 | 14616 | 0.008483853311439518 | 14740 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 585362 | 0.1765437455796584 | 688704 | 0.07373414413158628 | 739485 | -0.03172883831315037 | 716022 | 472853 | 0.051250600080786204 | 497087 | 0.061305163884792804 | 527561 | 0.03902866208836514 | 548151 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 135175 | -0.00136859626410209 | 134990 | 0.07294614415882658 | 144837 | 0.15567845232917002 | 167385 | 112881 | -0.01216325156580824 | 111508 | 0.07843383434372422 | 120254 | 0.07687062384619223 | 129498 Frais de locaux | 49128 | 0.0707946588503501 | 52606 | 0.005816826977911265 | 52912 | 0.15712881765951012 | 61226 | 41433 | 0.12004923611613931 | 46407 | 0.021893248863318032 | 47423 | -0.08594985555532125 | 43347 Amortissement | 21309 | 0.0009385705570416256 | 21329 | 0.017722349852313753 | 21707 | 0.1422582577048878 | 24795 | 16266 | 0.18726177302348457 | 19312 | 0.04986536868268434 | 20275 | 0.05425400739827373 | 21375 Autres dépenses d'exploitation | 171566 | 0.09256496042339392 | 187447 | 0.04110495233319285 | 195152 | 0.08084979913093383 | 210930 | 151039 | 0.09096988195101928 | 164779 | 0.006918357314949114 | 165919 | 0.1018509031515378 | 182818 377178 | 0.0508884399408237 | 396372 | 0.04600728608478904 | 414608 | 0.11993979855670898 | 464336 | 321619 | 0.06338866795804975 | 342006 | 0.03469237381800319 | 353871 | 0.06546735957453423 | 377038 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 208184 | 0.4042001306536525 | 292332 | 0.11132890001778799 | 324877 | -0.22528833989479094 | 251686 | 151234 | 0.0254374016424878 | 155081 | 0.11999535726491317 | 173690 | -0.014836778168000461 | 171113 Impôts sur le revenu | 41637 | -0.3854264236136129 | 25589 | 0.46648950721012933 | 37526 | -0.4098758194318606 | 22145 | 30246 | 0.025590160682404287 | 31020 | 0.1198581560283688 | 34738 | -0.01514191951177385 | 34212 BÉNÉFICE NET | 166547 | 0.6016079545113392 | 266743 | 0.07725788493043866 | 287351 | -0.2011825259003797 | 229541 | 120988 | 0.0253992131451053 | 124061 | 0.1200296628271576 | 138952 | -0.014760492832057113 | 136901 0 | 0 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 (oct.18 - sept. 19) | 2018 (oct.17 - sept. 18) | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 390118 | 0.2699112307577124 | 307201 | 409987 | 0.30126512371932407 | 315068 | 428602 | 0.27709874078532565 | 335606 | 489425 | 0.39292077207242593 | 351366 | 1718132 | 0.3123114842874612 | 1309241 | 1309241 Intérêts sur Bons B.R.H. | 5453 | -0.2294757665677547 | 7077 | 410 | -0.931173409434279 | 5957 | 0 | -1 | 3861 | 0 | -1 | 6875 | 5863 | -0.7533445519562474 | 23770 | 23770 Autres | 16389 | 0.40041015124327095 | 11703 | 23072 | 0.3563786008230453 | 17010 | 24081 | 0.7626262626262627 | 13662 | 26313 | 0.6877044448720415 | 15591 | 89855 | 0.5501328364903564 | 57966 | 57966 411960 | 0.263754636006393 | 325981 | 433469 | 0.2823198781191297 | 338035 | 452683 | 0.28191963843241424 | 353129 | 515738 | 0.37959832224100665 | 373832 | 1813850 | 0.30401149695501795 | 1390977 | 1390977 Dépenses d'intérêt | 91461 | 0.38361345173441447 | 66103 | 99396 | 0.40502947288070906 | 70743 | 107612 | 0.44951508620689656 | 74240 | 147147 | 0.7653897373756764 | 83351 | 445616 | 0.5134510948012648 | 294437 | 294437 320499 | 0.23326714843118695 | 259878 | 334073 | 0.24984286847342982 | 267292 | 345071 | 0.2373058815514416 | 278889 | 368591 | 0.2688988264292673 | 290481 | 1368234 | 0.2477739070166159 | 1096540 | 1096540 AUTRES REVENUS Commissions | 174104 | 0.19476812011913094 | 145722 | 169406 | 0.1228830691933955 | 150867 | 203045 | 0.18790477806314976 | 170927 | 196569 | 0.12516098750450766 | 174703 | 743124 | 0.15711930042555577 | 642219 | 642219 Gains sur change | 57869 | 0.23482843974052578 | 46864 | 63667 | 0.3404143332350836 | 47498 | 57085 | 0.12631454333800288 | 50683 | 45086 | -0.028277080908659855 | 46398 | 223707 | 0.16853058090397663 | 191443 | 191443 Autres | 47121 | 0.572639588826219 | 29963 | 140810 | 2.1756162468144606 | 44341 | 147341 | 2.5352224195018955 | 41678 | 147897 | 1.8824767584634274 | 51309 | 483169 | 1.8881948221960536 | 167291 | 167291 279094 | 0.2540788770113548 | 222549 | 373883 | 0.5404769556582861 | 242706 | 407471 | 0.547624654370879 | 263288 | 389552 | 0.4300209243419845 | 272410 | 1450000 | 0.44861946564923627 | 1000953 | 1000953 PRODUIT NET BANCAIRE | 599593 | 0.242867832853468 | 482427 | 707956 | 0.38815446335083664 | 509998 | 752542 | 0.38800059759082367 | 542177 | 758143 | 0.346873551007211 | 562891 | 2818234 | 0.3436202170877328 | 2097493 | 2097493 Dotation à la provisions pour créances douteuses | 14231 | 0.48642155838729895 | 9574 | 19252 | 0.4911315932150879 | 12911 | 13057 | -0.10666392993979201 | 14616 | 42121 | 1.8575983717774762 | 14740 | 88661 | 0.7102486448949673 | 51841 | 51841 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 585362 | 0.2379365257278689 | 472853 | 688704 | 0.3854798053459455 | 497087 | 739485 | 0.40170520565394335 | 527561 | 716022 | 0.3062495553232595 | 548151 | 2729573 | 0.3343291038749504 | 2045652 | 2045652 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 135175 | 0.19750002214721699 | 112881 | 134990 | 0.21058578756681134 | 111508 | 144837 | 0.20442563241139589 | 120254 | 167385 | 0.2925682249918918 | 129498 | 582387 | 0.22829917682714634 | 474141 | 474141 Frais de locaux | 49128 | 0.18572152631960032 | 41433 | 52606 | 0.13357898592884695 | 46407 | 52912 | 0.11574552432364042 | 47423 | 61226 | 0.4124622234526034 | 43347 | 215872 | 0.20862213761827444 | 178610 | 178610 Amortissement | 21309 | 0.3100331980818886 | 16266 | 21329 | 0.10444283347141674 | 19312 | 21707 | 0.0706288532675709 | 20275 | 24795 | 0.16 | 21375 | 89140 | 0.15424457450665563 | 77228 | 77228 Autres dépenses d'exploitation | 171566 | 0.13590529598315668 | 151039 | 187447 | 0.13756607334672502 | 164779 | 195152 | 0.17618838107751372 | 165919 | 210930 | 0.1537704164797777 | 182818 | 765095 | 0.15128920856813957 | 664555 | 664555 377178 | 0.17274787870119612 | 321619 | 396372 | 0.15896212347151803 | 342006 | 414608 | 0.1716359916466735 | 353871 | 464336 | 0.2315363438168036 | 377038 | 1652494 | 0.1849793551107395 | 1394534 | 1394534 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 208184 | 0.37656876099289843 | 151234 | 292332 | 0.885027824169305 | 155081 | 324877 | 0.8704415913408947 | 173690 | 251686 | 0.4708759708496724 | 171113 | 1077079 | 0.6541993924296364 | 651118 | 651118 Impôts sur le revenu | 41637 | 0.37661178337631424 | 30246 | 25589 | -0.17508059316569954 | 31020 | 37526 | 0.08025793079624619 | 34738 | 22145 | -0.3527124985385245 | 34212 | 126897 | -0.02548841924187504 | 130216 | 130216 BÉNÉFICE NET | 166547 | 0.37655800575263665 | 120988 | 266743 | 1.150095517527668 | 124061 | 287351 | 1.0679875064770568 | 138952 | 229541 | 0.6766933769658366 | 136901 | 950182 | 0.824108949476101 | 520902 | 520902 [CAPITALBKVARAN ] CAPITAL BANK (CAPITALBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2019 | Var. | 2018 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 1718132 | 0.3123114842874612 | 1309241 | 1309241 | 0.1262627261896057 | 1162465 | 0.15751661646461376 | 1004275 | 0.2489739826882897 | 804080 Intérêts sur Bons B.R.H. | 5863 | -0.7533445519562474 | 23770 | 23770 | 0.04815239439103977 | 22678 | -0.5332112055657329 | 48583 | 1.3150195368340798 | 20986 Autres | 89855 | 0.5501328364903564 | 57966 | 57966 | 0.6192524722051511 | 35798 | 0.1612170753860127 | 30828 | 0.15798963263466306 | 26622 1813850 | 0.30401149695501795 | 1390977 | 1390977 | 0.13926635275578428 | 1220941 | 0.1266556917778766 | 1083686 | 0.2723978733996487 | 851688 Dépenses d'intérêt | 445616 | 0.5134510948012648 | 294437 | 294437 | 0.10859391178297784 | 265595 | 0.09273171614771905 | 243056 | 1.4747843971775632 | 98213 1368234 | 0.2477739070166159 | 1096540 | 1096540 | 0.14779357426524004 | 955346 | 0.1364643184278458 | 840630 | 0.11567072563787784 | 753475 AUTRES REVENUS Commissions | 743124 | 0.15711930042555577 | 642219 | 642219 | 0.0930029119785967 | 587573 | 0.15128222210030487 | 510364 | 0.25985628133508765 | 405097 Gains sur change | 223707 | 0.16853058090397663 | 191443 | 191443 | 0.16085862413970833 | 164915 | 0.3860616400937965 | 118981 | -0.3118428206225636 | 172898 Autres | 483169 | 1.8881948221960536 | 167291 | 167291 | 1.9572388191621 | 56570 | -0.15239507948637268 | 66741 | 2.270014698677119 | 20410 1450000 | 0.44861946564923627 | 1000953 | 1000953 | 0.23718324273414268 | 809058 | 0.16229603813321916 | 696086 | 0.16323560130680725 | 598405 PRODUIT NET BANCAIRE | 2818234 | 0.3436202170877328 | 2097493 | 2097493 | 0.1887827277652964 | 1764404 | 0.14816530835886396 | 1536716 | 0.13672515312009942 | 1351880 Dotation à la provisions pour créances douteuses | 88661 | 0.7102486448949673 | 51841 | 51841 | 0.8549091169314441 | 27948 | -0.16729732145517384 | 33563 | 0.003468173528268604 | 33447 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 2729573 | 0.3343291038749504 | 2045652 | 2045652 | 0.1780615230100849 | 1736456 | 0.15520908383910353 | 1503153 | 0.14010571640728045 | 1318433 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 582387 | 0.22829917682714634 | 474141 | 474141 | 0.1391568421583726 | 416221 | 0.17114711476775202 | 355396 | 0.18462964074051852 | 300006 Frais de locaux | 215872 | 0.20862213761827444 | 178610 | 178610 | 0.08406166545277981 | 164760 | 0.23847107903935055 | 133035 | 0.41532618409294014 | 93996 Amortissement | 89140 | 0.15424457450665563 | 77228 | 77228 | 0.29366634839271655 | 59697 | 0.09217146307104045 | 54659 | 0.12386141667523388 | 48635 Autres dépenses d'exploitation | 765095 | 0.15128920856813957 | 664555 | 664555 | 0.13751007755653274 | 584219 | 0.18140271337659475 | 494513 | 0.24244814893911035 | 398015 1652494 | 0.1849793551107395 | 1394534 | 1394534 | 0.13849082820841263 | 1224897 | 0.18050641719424482 | 1037603 | 0.23428362747010653 | 840652 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1077079 | 0.6541993924296364 | 651118 | 651118 | 0.2728111517928528 | 511559 | 0.0988271936419289 | 465550 | -0.025599594793430464 | 477781 Impôts sur le revenu | 126897 | -0.02548841924187504 | 130216 | 130216 | 0.35172786065003686 | 96333 | 0.0346038599091407 | 93111 | -0.01193811282312492 | 94236 BÉNÉFICE NET | 950182 | 0.824108949476101 | 520902 | 520902 | 0.254502367385472 | 415226 | 0.11488324262496677 | 372439 | -0.028956185063030413 | 383545 [cbnainfin] CITIBANK N.A. (CBNA) INDIfATEURS FINANfIERS Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 7036033 | -0.19084873535982563 | 5693215 | 0.054260554010343895 | 6002132 | 0.04154257187279453 | 6251476 | -0.034843942551418323 | 6477166 | 0.017139547749606982 | 6368021 | 0.08895267312375167 | 5847840 | -0.04404587593736498 | 6117281 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 259477 | -0.6384402084552574 | 717660 | 0.43810993327054487 | 499030 Prêts nets | 509944 | -0.013521092512118978 | 503049 | 0.35113080435504296 | 679685 | -0.10166474175537198 | 610585 | 0.10295525569464767 | 553590 | -0.0609096584200741 | 589496 | -0.20825090088093598 | 744549 | -0.4016745580960279 | 1244388 Dépôts | 5515752 | -0.22837429964218842 | 4256096 | 0.020747182394382082 | 4344398 | 0.04994155691996912 | 4561364 | -0.11289473131470917 | 5141852 | -0.019873391903715325 | 5246110 | 0.17699333641896853 | 4457213 | -0.03042012105138593 | 4597056 Avoir des Actionnaires | 413587 | 0.0556400467132671 | 436599 | 0.00423271697827984 | 438447 | -0.0005063325783960205 | 438225 | 0.23007073485656543 | 356260 | -0.08985468740419791 | 391432 | 0.03864483055074987 | 376868 | -0.1912061687301352 | 465963 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) Résultats Revenus nets d'intérêt | 22196 | -0.13771803737228547 | 25741 | 21775 | -0.007701421800947867 | 21944 | 20771 | 0.06147792313982012 | 19568 | 20572 | -0.01958728494495544 | 20983 | 85314 | -0.033115735074119405 | 88236 Autres revenus | 118755 | 0.9819586768583731 | 59918 | 73039 | 0.19893302692055154 | 60920 | 77179 | 0.16114521273394716 | 66468 | 60640 | -0.16415112544625013 | 72549 | 329613 | 0.268449712339574 | 259855 Dot. à la prov. pr créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'exploitation | 79577 | -0.10152536440515304 | 88569 | 55704 | -0.09944224395764288 | 61855 | 86387 | 0.11399538344487858 | 77547 | 81530 | 0.13176379133235236 | 72038 | 303198 | 0.010629681109566714 | 300009 Bénéfice (perte) net | 42310 | 22.09172482552343 | -2006 | 26962 | 0.8615023474178404 | 14484 | 7970 | 0.3614622480355313 | 5854 | -219 | -1.0147803199028143 | 14817 | 77023 | 1.3235391716190534 | 33149 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) | 2018 | 2017 | 2016 | 2015 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.05878127632431514 | 0.0548798910706409 | 0.07668760094252544 | 0.06298441868509086 | 0.07304854341757229 | 0.0441175140483737 | 0.07009944531499442 | 0.05500245014563468 | 0.07009944531499442 | 0.05500245014563468 | 0.05500245014563468 | 0.06146839025813514 | 0.06444567566828094 | 0.07617158669023051 Dépôts en % de l'actif | 0.783929239672412 | 0.8373417161771807 | 0.7475733834046316 | 0.8137484687780568 | 0.7238091398189843 | 0.841695211342584 | 0.7296459268179227 | 0.7938428627581877 | 0.7296459268179227 | 0.7938428627581877 | 0.7938428627581877 | 0.823821089785979 | 0.7621981791567485 | 0.7514868125234071 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Provisions pour créances douteuses en % des prêts improductifs bruts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts improductifs nets en % de l'avoir des actionnaires | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Rentabilité ROA (rendement de l'actif) | 0.025048102969548514 | -0.001180585605183277 | 0.016944913006644226 | 0.008500074201058532 | 0.005451740764938398 | 0.003310622991213474 | -0.000142978296678007 | 0.008337919554860776 | 0.012102312249806381 | 0.005161310613850931 | 0.005161310613850931 | 0.0036624516274374767 | -0.0021418922549968364 | 0.01381854834068994 ROE (rendement avoir des action.) | 0.43967177893789283 | -0.02036672284606169 | 0.25370448348949526 | 0.14483293939420452 | 0.07286474082505377 | 0.06286520466227001 | -0.001998466929478756 | 0.16989537050308157 | 0.19389415785068315 | 0.08867031969088834 | 0.08867020109884818 | 0.05823246127814656 | -0.030407044828678585 | 0.218444446306335 Revenus nets d'intérêt en % des revenus d'intérêt | 0.9776250880902043 | 0.9831563669696738 | 0.9741421733100702 | 0.9132678541701349 | 0.969113049969673 | 0.9768858269681993 | 0.9691430725020022 | 0.9792784804218976 | 0.972605082253155 | 0.9625605445738971 | 0.9625605445738971 | 0.8706639647156992 | 0.6590478136957681 | 0.805840894320821 Rendement moyen des prêts | 0.10290221093072718 | 0.13140886407741284 | 0.10784674721345557 | 0.10863690749901836 | 0.0928628076980961 | 0.11530597748569416 | 0.11033349608996566 | 0.10245450592510033 | 0.10111881804711491 | 0.09442684102508472 | 0.09442684102508472 | 0.1268383000573444 | 0.12860638622540582 | 0.10876643157954177 Rendement moyen des prêts productifs | 0.10290221093072718 | 0.13140886407741284 | 0.10784674721345557 | 0.10863690749901836 | 0.0928628076980961 | 0.11530597748569416 | 0.11033349608996566 | 0.10245450592510033 | 0.10111881804711491 | 0.09442684102508472 | 0.09442684102508472 | 0.1268383000573444 | 0.12860638622540582 | 0.1087870835078181 Rémunération moyenne des dépôts | 0.0003813239823885369 | 0.00031232020895001006 | 0.0004731960628122746 | 0.0014801939274227322 | 0.0006157785820209862 | 0.00031583730524609686 | 0.0005883831164587601 | 0.0003047355231108692 | 0.000495299702696508 | 0.0006607648352968561 | 0.0006607648352968561 | 0.0029072514642664166 | 0.013265786558804471 | 0.007605083447735179 Dépenses d'exploitation en % du produit net bancaire | 0.5645720853346198 | 1.0339719118831647 | 0.5875081738983694 | 0.7464640857308361 | 0.8819499744767738 | 0.901332000557906 | 1.0039156774860858 | 0.7701962964546893 | 0.730726127728492 | 0.861869453677343 | 0.861869453677343 | 0.8872626843376006 | 1.0633732637111362 | 0.6637767459866694 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 17898.539682539682 | 11052.774193548386 | 12641.866666666667 | 10692.129032258064 | 13747.368421052632 | 11283.409836065573 | 11398.17543859649 | 12068.645161290322 | 13604.16393442623 | 11050.507936507936 | 11050.507936507936 | 8466.323529411764 | 7813.6 | 11059.971830985916 [cbnavar] CITIBANK N.A. (CBNA) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 ACTIF Disponibilités Encaisse | 102454 | -0.19451656353095048 | 82525 | -0.48403514086640415 | 42580 | 0.09389384687646783 | 46578 | -0.13460788138899726 | 53823 | -0.1885082772969876 | 66326 | -0.2649392676655732 | 90232 | 0.32698020530015587 | 67998 Avoirs à la BRH | 4980375 | -0.258448811585473 | 3693203 | 0.058477424609478544 | 3909172 | 0.06598430562789255 | 4167116 | -0.027075363021301018 | 4283082 | 0.24856416412517934 | 3430406 | 0.08848424772111702 | 3151544 | -0.061245887888438905 | 3357156 Avoirs à l'étranger | 1059358 | -0.009441567439902281 | 1049356 | -0.22891849858389335 | 809139 | 0.2773936245811906 | 1033589 | -0.08236680149578644 | 1126364 | -0.2590758544021734 | 1520215 | 1.295506125265569 | 662257 | 0.5482301619400072 | 427751 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 53830 | -0.2787479100873119 | 38825 | 5.47026400515132 | 251208 | -0.6887837966943728 | 78180 | -0.367869531117346 | 123677 | -0.18094701986754966 | 151000 | 0.07555986096073851 | 140392 | 0.17755802152269276 | 119223 6196017 | -0.21499424549674412 | 4863909 | 0.030467264087383213 | 5012099 | 0.06252151044901547 | 5325463 | -0.04680249281092031 | 5586946 | 0.08107648936802177 | 5167947 | 0.2777952366529235 | 4044425 | 0.01820107509123573 | 3972128 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 259477 | -0.6384402084552574 | 717660 | 0.43810993327054487 | 499030 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 509944 | -0.013521092512118978 | 503049 | 0.35113080435504296 | 679685 | -0.10166474175537198 | 610585 | 0.10295525569464767 | 553590 | -0.0609096584200741 | 589496 | -0.20825090088093598 | 744549 | -0.4016745580960279 | 1244388 Immobilisations | 298281 | -0.010677850751472606 | 295096 | -0.02103722178545287 | 288888 | -0.011440419816676359 | 285583 | -0.05521186216387889 | 302272 | -0.05593693586772523 | 320182 | -0.04763292841080798 | 336196 | -0.05431960552112898 | 355507 Autres actifs | 31791 | -0.01981692931961876 | 31161 | -0.3113186354738295 | 21460 | 0.3907269338303821 | 29845 | -0.13135223237673904 | 34358 | 0.11122610692454478 | 30919 | 5.171457085828344 | 5010 | -0.8916241239075885 | 46228 7036033 | -0.19084873535982563 | 5693215 | 0.054260554010343895 | 6002132 | 0.04154257187279453 | 6251476 | -0.034843942551418323 | 6477166 | 0.017139547749606982 | 6368021 | 0.08895267312375167 | 5847840 | -0.04404587593736498 | 6117281 PASSIF Dépôts À vue | 5024173 | -0.26130967225849905 | 3711308 | 0.007069744683006638 | 3737546 | 0.07631076647618518 | 4022761 | -0.1511405630574598 | 4739019 | -0.026558875800174023 | 4868316 | 0.20276578644980076 | 4047601 | 0.1503268438234745 | 3518653 Épargne | 449851 | 0.1125239245883637 | 500470 | 0.11407077347293544 | 557559 | -0.05962059620596206 | 524317 | 0.43826601709514246 | 364548 | 0.06280046762894052 | 343007 | -0.05519425966477985 | 363045 | 0.07573032442731127 | 337487 À terme | 41728 | 0.06206863496932515 | 44318 | 0.11225687079741865 | 49293 | -0.7101819730996287 | 14286 | -0.6268512472247617 | 38285 | 0.10055480495587432 | 34787 | -0.2529688405952713 | 46567 | -0.9371494204471222 | 740916 5515752 | -0.22837429964218842 | 4256096 | 0.020747182394382082 | 4344398 | 0.04994155691996912 | 4561364 | -0.11289473131470917 | 5141852 | -0.019873391903715325 | 5246110 | 0.17699333641896853 | 4457213 | -0.03042012105138593 | 4597056 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 360000 | 0.2 | 300000 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1009568 | -0.11361790389552759 | 894863 | 0.030537635369883433 | 922190 | 0.24836855745562195 | 1151233 | 0.2878378212091144 | 893927 | 0.3237518843532781 | 675298 | 0.10096532429907609 | 613369 | -0.00978640074520003 | 619431 1009568 | -0.11361790389552759 | 894863 | 0.030537635369883433 | 922190 | 0.24836855745562195 | 1151233 | 0.2878378212091144 | 893927 | 0.3237518843532781 | 675298 | -0.3062261074679798 | 973369 | 0.0586645436144746 | 919431 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 97126 | 0.08783435949179416 | 105657 | 1.8119007732568595 | 297097 | -0.6612082922412545 | 100654 | 0.1823980640689793 | 85127 | 0.5426867943676266 | 55181 | 0.44407515963571653 | 38212 | -0.6032189398265926 | 96305 97126 | 0.08783435949179416 | 105657 | 1.8119007732568595 | 297097 | -0.6612082922412545 | 100654 | 0.1823980640689793 | 85127 | 0.5426867943676266 | 55181 | 0.44407515963571653 | 38212 | -0.6032189398265926 | 96305 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2178 | -0.9434667497274568 | 38526 6622446 | -0.20624252730788595 | 5256616 | 0.05841571840134414 | 5563685 | 0.04485624186128438 | 5813251 | -0.0502629839438802 | 6120906 | 0.0241470511022257 | 5976589 | 0.09241812972173866 | 5470972 | -0.03191220172002354 | 5651318 AVOIR DES ACTIONNAIRES Capital versé | 103837 | 0 | 103837 | 0 | 103837 | 0 | 103837 | 0 | 103837 | 0 | 103837 | 0 | 103837 | 0 | 103837 Réserves | 59288 | 0 | 59288 | 0 | 59288 | 0 | 59288 | 0 | 59288 | -0.07168133279053017 | 63866 | -0.01493043773328809 | 64834 | -0.039126181936746 | 67474 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 250462 | 0.09187820906963931 | 273474 | 0.006757497970556616 | 275322 | -0.0008063285897966744 | 275100 | 0.4243922644782147 | 193135 | -0.13674579513607982 | 223729 | 0.07460241982353252 | 208197 | -0.29341392558000623 | 294652 413587 | 0.0556400467132671 | 436599 | 0.00423271697827984 | 438447 | -0.0005063325783960205 | 438225 | 0.23007073485656543 | 356260 | -0.08985468740419791 | 391432 | 0.03864483055074987 | 376868 | -0.1912061687301352 | 465963 7036033 | -0.19084873535982563 | 5693215 | 0.054260554010343895 | 6002132 | 0.04154257187279453 | 6251476 | -0.034843942551418323 | 6477166 | 0.017139547749606982 | 6368021 | 0.08895267312375167 | 5847840 | -0.04404587593736498 | 6117281 23012 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12508 Autres | 1660053.0692 | 1660053.0692000003 | 1660053.0692 | 1660053.0692000003 | 1660069.13821 | 1489077.4429600001 | -1111258 | 5595768 Portefeuille brut | 509944 | -0.013521092512118978 | 503049 | 0.35113080435504296 | 679685 | -0.10166474175537198 | 610585 | 0.10295525569464767 | 553590 | -0.0609096584200741 | 589496 | -0.20825090088093598 | 744549 | -0.4016745580960279 | 1244388 Provisions pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille de crédit improductif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [cbnacomp ] CITIBANK N.A. (CBNA) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 18 | Comp. | Mars 19 | Comp. | Juin 19 | Comp. | Sept. 19 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. | 2015 | Comp. ACTIF Disponibilités Encaisse | 102454 | 0.014561330226847998 | 82525 | 0.014495324697907949 | 42580 | 0.007094145880163915 | 46578 | 0.007450720437861395 | 53823 | 0.008309652709224992 | 66326 | 0.010415480727843077 | 90232 | 0.015429970724233221 | 67998 | 0.01111572281868366 Avoirs à la BRH | 4980375 | 0.707838493651181 | 3693203 | 0.6487025345081822 | 3909172 | 0.6512972390477251 | 4167116 | 0.6665811401979309 | 4283082 | 0.661258643054694 | 3430406 | 0.5386926330801987 | 3151544 | 0.5389244575774987 | 3357156 | 0.548798722831271 Avoirs à l'étranger | 1059358 | 0.15056182937174967 | 1049356 | 0.18431694569764184 | 809139 | 0.13480859801150658 | 1033589 | 0.16533519444048095 | 1126364 | 0.1738976583277316 | 1520215 | 0.23872644264207044 | 662257 | 0.11324813948398041 | 427751 | 0.06992502060964667 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 53830 | 0.007650617897897864 | 38825 | 0.006819521131733125 | 251208 | 0.04185312818845037 | 78180 | 0.012505846619262396 | 123677 | 0.01909430760304738 | 151000 | 0.023712233361039482 | 140392 | 0.02400749678513776 | 119223 | 0.019489541186680816 6196017 | 0.8806122711476765 | 4863909 | 0.854334326035465 | 5012099 | 0.8350531111278459 | 5325463 | 0.8518729016955355 | 5586946 | 0.8625602616946979 | 5167947 | 0.8115467898111517 | 4044425 | 0.6916100645708501 | 3972128 | 0.6493290074462821 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 259477 | 0.040746881959089015 | 717660 | 0.12272223590248707 | 499030 | 0.0815770928293142 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 509944 | 0.07247606712475624 | 503049 | 0.08835938920276153 | 679685 | 0.11324059517518109 | 610585 | 0.09767053412666064 | 553590 | 0.08546793458744148 | 589496 | 0.09257130276423398 | 744549 | 0.12732034392185831 | 1244388 | 0.20342174897638346 Immobilisations | 298281 | 0.04239334863835914 | 295096 | 0.0518329274408221 | 288888 | 0.04813089748775935 | 285583 | 0.04568249162277836 | 302272 | 0.04666732333245743 | 320182 | 0.050279670874200946 | 336196 | 0.0574906290185778 | 355507 | 0.058115198566160355 Autres actifs | 31791 | 0.0045183130892080805 | 31161 | 0.005473357320951343 | 21460 | 0.003575396209213659 | 29845 | 0.004774072555025405 | 34358 | 0.005304480385403122 | 30919 | 0.004855354591324369 | 5010 | 0.0008567265862267094 | 46228 | 0.007556952181859882 7036033 | 1 | 5693215 | 1 | 6002132 | 1 | 6251476 | 1 | 6477166 | 1 | 6368021 | 1 | 5847840 | 1 | 6117281 | 1 PASSIF Dépôts À vue | 5024173 | 0.714063308116946 | 3711308 | 0.6518826357339395 | 3737546 | 0.6227030661771518 | 4022761 | 0.6434897934503787 | 4739019 | 0.7316500765921392 | 4868316 | 0.7644943381939224 | 4047601 | 0.6921531710853922 | 3518653 | 0.5751988506004547 Épargne | 449851 | 0.0639353169605657 | 500470 | 0.08790639383898202 | 557559 | 0.09289349184589743 | 524317 | 0.08387091304517526 | 364548 | 0.0562820221065818 | 343007 | 0.05386398694351039 | 363045 | 0.06208189690552409 | 337487 | 0.05516944537940958 À terme | 41728 | 0.00593061459490028 | 44318 | 0.007784353831710202 | 49293 | 0.008212581795935177 | 14286 | 0.0022852203223686692 | 38285 | 0.005910764059466748 | 34787 | 0.005462764648546228 | 46567 | 0.007963111165832171 | 740916 | 0.12111851654354279 5515752 | 0.783929239672412 | 4256096 | 0.7475733834046316 | 4344398 | 0.7238091398189843 | 4561364 | 0.7296459268179227 | 5141852 | 0.7938428627581877 | 5246110 | 0.823821089785979 | 4457213 | 0.7621981791567485 | 4597056 | 0.7514868125234071 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 360000 | 0.061561191824673726 | 300000 | 0.04904139600583985 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1009568 | 0.14348539866143323 | 894863 | 0.15718060884754922 | 922190 | 0.1536437385915538 | 1151233 | 0.1841537902408967 | 893927 | 0.13801205650742934 | 675298 | 0.10604519049167709 | 613369 | 0.10488812963418971 | 619431 | 0.10125920323097795 1009568 | 0.14348539866143323 | 894863 | 0.15718060884754922 | 922190 | 0.1536437385915538 | 1151233 | 0.1841537902408967 | 893927 | 0.13801205650742934 | 675298 | 0.10604519049167709 | 973369 | 0.16644932145886343 | 919431 | 0.1503005992368178 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 97126 | 0.013804085341839642 | 105657 | 0.018558406805293668 | 297097 | 0.04949857817188959 | 100654 | 0.0161008376261862 | 85127 | 0.013142630588748228 | 55181 | 0.008665329464208739 | 38212 | 0.0065343785055678675 | 96305 | 0.01574310547447469 97126 | 0.013804085341839642 | 105657 | 0.018558406805293668 | 297097 | 0.04949857817188959 | 100654 | 0.0161008376261862 | 85127 | 0.013142630588748228 | 55181 | 0.008665329464208739 | 38212 | 0.0065343785055678675 | 96305 | 0.01574310547447469 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2178 | 0.00037244521053927607 | 38526 | 0.006297896075069954 6622446 | 0.9412187236756848 | 5256616 | 0.9233123990574745 | 5563685 | 0.9269514565824277 | 5813251 | 0.9299005546850055 | 6120906 | 0.9449975498543653 | 5976589 | 0.9385316097418649 | 5470972 | 0.935554324331719 | 5651318 | 0.9238284133097695 AVOIR DES ACTIONNAIRES Capital versé | 103837 | 0.014757889850715595 | 103837 | 0.01823872802976877 | 103837 | 0.017300019393108983 | 103837 | 0.016609997383018025 | 103837 | 0.016031239588424936 | 103837 | 0.016306007784836138 | 103837 | 0.017756470765274014 | 103837 | 0.016974371456861308 Réserves | 59288 | 0.00842633910329869 | 59288 | 0.010413799584241944 | 59288 | 0.009877823413413768 | 59288 | 0.009483840296275631 | 59288 | 0.009153385909825376 | 63866 | 0.01002917546911356 | 64834 | 0.01108682864100249 | 67474 | 0.01103006384699346 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 250462 | 0.03559704737030085 | 273474 | 0.048035073328514734 | 275322 | 0.04587070061104954 | 275100 | 0.04400560763570075 | 193135 | 0.029817824647384365 | 223729 | 0.03513320700418544 | 208197 | 0.03560237626200443 | 294652 | 0.04816715138637574 413587 | 0.05878127632431514 | 436599 | 0.07668760094252544 | 438447 | 0.07304854341757229 | 438225 | 0.07009944531499442 | 356260 | 0.05500245014563468 | 391432 | 0.06146839025813514 | 376868 | 0.06444567566828094 | 465963 | 0.07617158669023051 7036033 | 1 | 5693215 | 1 | 6002132 | 1 | 6251476 | 1 | 6477166 | 1 | 6368021 | 1 | 5847840 | 1 | 6117281 | 1 [cbnagdes&$] CITIBANK N.A. (CBNA) BILAN DEVISES ET GOURDES (En milliers de gourdes) Septembre 19 | Septembre 18 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 21369 | 25209 | 46578 | 0.4587788226201211 | 21025 | 32798 | 53823 | 0.39063225758504727 Avoirs à la BRH | 3280758 | 886358 | 4167116 | 0.7872970178895908 | 2206391 | 2076691 | 4283082 | 0.5151409662481363 Avoirs à l'étranger | 1033589 | 0 | 1033589 | 1 | 1126364 | 0 | 1126364 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 70029 | 8151 | 78180 | 0.8957405986185725 | 65583 | 58094 | 123677 | 0.530276445903442 4405745 | 919718 | 5325463 | 0.8272980208481403 | 3419363 | 2167583 | 5586946 | 0.6120272148683735 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 447918 | 162667 | 610585 | 0.7335882800920429 | 326164 | 227426 | 553590 | 0.5891797178417241 Immobilisations | 0 | 285583 | 285583 | 0 | 0 | 302272 | 302272 | 0 Autres actifs | 10519 | 19326 | 29845 | 0.3524543474618864 | 4106 | 30252 | 34358 | 0.11950637406135398 4864182 | 1387294 | 6251476 | 0.7780853673596444 | 3749633 | 2727533 | 6477166 | 0.5789002474230242 PASSIF Dépôts À vue | 3457127 | 565634 | 4022761 | 0.8593915969653678 | 2779884 | 1959135 | 4739019 | 0.586594820573625 Épargne | 524313 | 4 | 524317 | 0.999992371027451 | 364544 | 4 | 364548 | 0.9999890275080373 À terme | 9332 | 4954 | 14286 | 0.6532269354612907 | 33334 | 4951 | 38285 | 0.8706804231422228 3990772 | 570592 | 4561364 | 0.8749075934303862 | 3177762 | 1964090 | 5141852 | 0.6180189550379902 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 788626 | 362607 | 1151233 | 0.6850272707610014 | 536885 | 357042 | 893927 | 0.6005915471845017 788626 | 362607 | 1151233 | 0.6850272707610014 | 536885 | 357042 | 893927 | 0.6005915471845017 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 83766 | 16888 | 100654 | 0.8322172988654202 | 29727 | 55400 | 85127 | 0.3492076544457105 83766 | 16888 | 100654 | 0.8322172988654202 | 29727 | 55400 | 85127 | 0.3492076544457105 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 4863164 | 950087 | 5813251 | 0.8365652885106801 | 3744374 | 2376532 | 6120906 | 0.6117352561859306 AVOIR DES ACTIONNAIRES Capital versé | 0 | 103837 | 103837 | 0 | 0 | 103837 | 103837 | 0 Réserves | 0 | 59288 | 59288 | 0 | 0 | 59288 | 59288 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 275100 | 275100 | 0 | 0 | 193135 | 193135 | 0 0 | 438225 | 438225 | 0 | 0 | 356260 | 356260 | 0 0 4863164 | 1388312 | 6251476 | 0.7779225258163032 | 3744374 | 2732792 | 6477166 | 0.578088318255237 *Converties au taux de 93.3162 gdes | *Converties au taux de 69.9774 Gdes [CBNARÉSULT ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2019 | 2018 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 13680 | -0.0017543859649122807 | 13656 | 0.0053456356180433505 | 13729 | 0.2961614101536893 | 17795 | 16751 | -0.3001014864784192 | 11724 | 0.08171272603207097 | 12682 | 0.010250749093202964 | 12812 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6026 | 0.4387653501493528 | 8670 | -0.581199538638985 | 3631 | 0 | 0 Autres | 9024 | -0.03623670212765957 | 8697 | -0.11417730251810969 | 7704 | -0.5545171339563862 | 3432 | 3405 | 0.06725403817914831 | 3634 | 0.023115024766097964 | 3718 | 1.317105970952125 | 8615 22704 | -0.01545983086680761 | 22353 | -0.041157786426877827 | 21433 | -0.009611346988289087 | 21227 | 26182 | -0.08227026201206936 | 24028 | -0.1663475944731147 | 20031 | 0.0696919774349758 | 21427 Dépenses d'intérêt | 508 | 0.1377952755905512 | 578 | 0.1453287197231834 | 662 | -0.010574018126888218 | 655 | 441 | 3.72562358276644 | 2084 | -0.777831094049904 | 463 | -0.04103671706263499 | 444 22196 | -0.018967381510182013 | 21775 | -0.04610792192881745 | 20771 | -0.009580665350729382 | 20572 | 25741 | -0.1475078668272406 | 21944 | -0.1082756106452789 | 19568 | 0.0723119378577269 | 20983 AUTRES REVENUS Commissions | 72586 | -0.6229713718898962 | 27367 | 0.2785836956918917 | 34991 | -2.6018976308193538 | -56052 | 21982 | -0.051451187335092345 | 20851 | 0.3647307083593113 | 28456 | -0.08159966263705369 | 26134 Gains sur change | 46166 | -0.01076549841874973 | 45669 | -0.07639755632923866 | 42180 | -0.317425320056899 | 28791 | 37934 | 0.05615015553329467 | 40064 | -0.054862220447284345 | 37866 | 0.2256905931442455 | 46412 Autres | 3 | 0 | 3 | 0 | 8 | 10986.625 | 87901 | 2 | 0 | 5 | 0 | 146 | -0.9794520547945206 | 3 118755 | -0.3849606332364953 | 73039 | 0.056682046577855666 | 77179 | -0.21429404371655503 | 60640 | 59918 | 0.016722854567909475 | 60920 | 0.09107025607353907 | 66468 | 0.0914876331467774 | 72549 PRODUIT NET BANCAIRE | 140951 | -0.3273265177260183 | 94814 | 0.033075284240723944 | 97950 | -0.17088310362429812 | 81212 | 85659 | -0.03262937928297085 | 82864 | 0.03827959065456652 | 86036 | 0.08712631921521223 | 93532 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 140951 | -0.3273265177260183 | 94814 | 0.033075284240723944 | 97950 | -0.17088310362429812 | 81212 | 85659 | -0.03262937928297085 | 82864 | 0.03827959065456652 | 86036 | 0.08712631921521223 | 93532 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 29710 | -0.24402558061258836 | 22460 | 0.12319679430097952 | 25227 | 0.11943552542910374 | 28240 | 25483 | -0.11325197190283719 | 22597 | 0.04398814001858654 | 23591 | 0.06010766817854266 | 25009 Frais de locaux | 6369 | -0.036583451091223115 | 6136 | 0.03536505867014342 | 6353 | 0.09192507476782623 | 6937 | 4517 | -0.13305291122426388 | 3916 | -0.035495403472931564 | 3777 | 0.5274027005559968 | 5769 Amortissement | 4743 | -0.056293485135989876 | 4476 | 0.0042448614834673815 | 4495 | -0.0004449388209121246 | 4493 | 5015 | 0.009770687936191427 | 5064 | -0.0009873617693522906 | 5059 | -0.012650721486459775 | 4995 Autres dépenses d'exploitation | 38755 | -0.41602373887240357 | 22632 | 1.2230470130788265 | 50312 | -0.16799173159484815 | 41860 | 53554 | -0.4346267318967771 | 30278 | 0.4901908976814849 | 45120 | -0.19625443262411346 | 36265 79577 | -0.29999874335549215 | 55704 | 0.5508222030733879 | 86387 | -0.056223737367891005 | 81530 | 88569 | -0.3016179475888855 | 61855 | 0.25369008164255114 | 77547 | -0.07104078816717603 | 72038 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 61374 | -0.3627594746961254 | 39110 | -0.7043467143952953 | 11563 | -1.0275015134480672 | -318 | -2910 | 8.219587628865979 | 21009 | -0.5959350754438574 | 8489 | 1.5319825656732242 | 21494 Impôts sur le revenu | 19064 | -0.36277801091061684 | 12148 | -0.7042311491603556 | 3593 | -1.0275535763985528 | -99 | -904 | 8.2179203539823 | 6525 | -0.5961685823754789 | 2635 | 1.533965844402277 | 6677 BÉNÉFICE NET | 42310 | -0.3627511226660364 | 26962 | -0.7043987834730361 | 7970 | -1.027478042659975 | -219 | -2006 | 8.220338983050848 | 14484 | -0.595829881248274 | 5854 | 1.531089853091903 | 14817 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 (oct.18 - sept. 19) | 2018 (oct.17 - sept. 18) | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 13680 | -0.18333233836785864 | 16751 | 13656 | 0.1647901740020471 | 11724 | 13729 | 0.08255795615833465 | 12682 | 17795 | 0.38893225101467377 | 12812 | 58860 | 0.09062610016861532 | 53969 | 53969 Intérêts sur Bons B.R.H. | 0 | 0 | 6026 | 0 | 0 | 8670 | 0 | 0 | 3631 | 0 | 0 | 0 | 0 | 0 | 18327 | 18327 Autres | 9024 | 1.6502202643171806 | 3405 | 8697 | 1.3932305998899284 | 3634 | 7704 | 1.0720817643894567 | 3718 | 3432 | -0.6016250725478816 | 8615 | 28857 | 0.48962419987610983 | 19372 | 19372 22704 | -0.132839355282255 | 26182 | 22353 | -0.06971033793907108 | 24028 | 21433 | 0.06999151315461036 | 20031 | 21227 | -0.009334017827974052 | 21427 | 87717 | -0.04310119125539992 | 91668 | 91668 Dépenses d'intérêt | 508 | 0.15192743764172337 | 441 | 578 | -0.7226487523992322 | 2084 | 662 | 0.4298056155507559 | 463 | 655 | 0.4752252252252252 | 444 | 2403 | -0.29982517482517484 | 3432 | 3432 22196 | -0.13771803737228547 | 25741 | 21775 | -0.007701421800947867 | 21944 | 20771 | 0.06147792313982012 | 19568 | 20572 | -0.01958728494495544 | 20983 | 85314 | -0.033115735074119405 | 88236 | 88236 AUTRES REVENUS Commissions | 72586 | 2.302065326175962 | 21982 | 27367 | 0.31250299745815546 | 20851 | 34991 | 0.22965279730109642 | 28456 | -56052 | -3.1447922246881457 | 26134 | 78892 | -0.19021175697730516 | 97423 | 97423 Gains sur change | 46166 | 0.21700848842726841 | 37934 | 45669 | 0.13990115814696485 | 40064 | 42180 | 0.11392806211376962 | 37866 | 28791 | -0.37966474187710075 | 46412 | 162806 | 0.003266040572851192 | 162276 | 162276 Autres | 3 | 0.5 | 2 | 3 | -0.4 | 5 | 8 | -0.9452054794520548 | 146 | 87901 | 29299.333333333332 | 3 | 87915 | 562.5576923076923 | 156 | 156 118755 | 0.9819586768583731 | 59918 | 73039 | 0.19893302692055154 | 60920 | 77179 | 0.16114521273394716 | 66468 | 60640 | -0.16415112544625013 | 72549 | 329613 | 0.268449712339574 | 259855 | 259855 PRODUIT NET BANCAIRE | 140951 | 0.645489674173175 | 85659 | 94814 | 0.144212203128017 | 82864 | 97950 | 0.13847691663954623 | 86036 | 81212 | -0.13171962536885773 | 93532 | 414927 | 0.19200726246872227 | 348091 | 348091 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 140951 | 0.645489674173175 | 85659 | 94814 | 0.144212203128017 | 82864 | 97950 | 0.13847691663954623 | 86036 | 81212 | -0.13171962536885773 | 93532 | 414927 | 0.19200726246872227 | 348091 | 348091 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 29710 | 0.16587528940862536 | 25483 | 22460 | -0.006062751692702571 | 22597 | 25227 | 0.06934848035267686 | 23591 | 28240 | 0.12919349034347635 | 25009 | 105637 | 0.0926458419528341 | 96680 | 96680 Frais de locaux | 6369 | 0.4100066415762674 | 4517 | 6136 | 0.5669050051072523 | 3916 | 6353 | 0.6820227693936987 | 3777 | 6937 | 0.20246143179060497 | 5769 | 25795 | 0.4347294065298404 | 17979 | 17979 Amortissement | 4743 | -0.05423728813559322 | 5015 | 4476 | -0.11611374407582939 | 5064 | 4495 | -0.11148448309942677 | 5059 | 4493 | -0.1005005005005005 | 4995 | 18207 | -0.09566383549396514 | 20133 | 20133 Autres dépenses d'exploitation | 38755 | -0.27633790193076146 | 53554 | 22632 | -0.25252658696082964 | 30278 | 50312 | 0.1150709219858156 | 45120 | 41860 | 0.15428098717771957 | 36265 | 153559 | -0.07056174606729332 | 165217 | 165217 79577 | -0.10152536440515304 | 88569 | 55704 | -0.09944224395764288 | 61855 | 86387 | 0.11399538344487858 | 77547 | 81530 | 0.13176379133235236 | 72038 | 303198 | 0.010629681109566714 | 300009 | 300009 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 61374 | 22.090721649484536 | -2910 | 39110 | 0.8615831310390785 | 21009 | 11563 | 0.3621156791141477 | 8489 | -318 | -1.014794826463199 | 21494 | 111729 | 1.323717815398694 | 48082 | 48082 Impôts sur le revenu | 19064 | 22.088495575221238 | -904 | 12148 | 0.8617624521072796 | 6525 | 3593 | 0.3635673624288425 | 2635 | -99 | -1.014827018121911 | 6677 | 34706 | 1.3241143775530704 | 14933 | 14933 BÉNÉFICE NET | 42310 | 22.09172482552343 | -2006 | 26962 | 0.8615023474178404 | 14484 | 7970 | 0.3614622480355313 | 5854 | -219 | -1.0147803199028143 | 14817 | 77023 | 1.3235391716190534 | 33149 | 33149 [CBNAVARAN ] CITIBANK N.A. (CBNA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2019 | Var. | 2018 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 58860 | 0.09062610016861532 | 53969 | 53969 | -0.36209871873670274 | 84604 | -0.33848860393291375 | 127895 | -0.12632269258882278 | 146387 Intérêts sur Bons B.R.H. | 0 | -1 | 18327 | 18327 | 0.3079503282900371 | 14012 | -0.6985434908887502 | 46481 | -0.09742125907802245 | 51498 Autres | 28857 | 0.48962419987610983 | 19372 | 19372 | 0.8553778373718992 | 10441 | 4.912231030577576 | 1766 | 1.8856209150326797 | 612 87717 | -0.04310119125539992 | 91668 | 91668 | -0.15944872864648763 | 109057 | -0.3808574899796755 | 176142 | -0.11262134944104948 | 198497 Dépenses d'intérêt | 2403 | -0.29982517482517484 | 3432 | 3432 | -0.7566820276497696 | 14105 | -0.7651358731850273 | 60056 | 0.5582771146860405 | 38540 85314 | -0.033115735074119405 | 88236 | 88236 | -0.07073047434493218 | 94952 | -0.18205468359664387 | 116086 | -0.2742674593797083 | 159957 AUTRES REVENUS Commissions | 78892 | -0.19021175697730516 | 97423 | 97423 | 0.2678682977615825 | 76840 | 0.39331628859997464 | 55149 | 0.08120454055325739 | 51007 Gains sur change | 162806 | 0.003266040572851192 | 162276 | 162276 | 0.47511567235408014 | 110009 | -0.08814435980537619 | 120643 | -0.3216968402114022 | 177860 Autres | 87915 | 562.5576923076923 | 156 | 156 | -0.9742319127849356 | 6054 | 4.348056537102473 | 1132 | -0.7024967148488831 | 3805 329613 | 0.268449712339574 | 259855 | 259855 | 0.34707599156052527 | 192903 | 0.09031561574461351 | 176924 | -0.23959909228441756 | 232672 PRODUIT NET BANCAIRE | 414927 | 0.19200726246872227 | 348091 | 348091 | 0.2092581334352365 | 287855 | -0.01759325620285997 | 293010 | -0.2537229802179666 | 392629 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 414927 | 0.19200726246872227 | 348091 | 348091 | 0.2092581334352365 | 287855 | -0.01759325620285997 | 293010 | -0.2537210794950946 | 392628 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 105637 | 0.0926458419528341 | 96680 | 96680 | -0.04282913886303784 | 101006 | -0.02645757631251747 | 103751 | 0.057690739305957674 | 98092 Frais de locaux | 25795 | 0.4347294065298404 | 17979 | 17979 | -0.06271504535502033 | 19182 | 0.11939775910364146 | 17136 | 0.03303592958765372 | 16588 Amortissement | 18207 | -0.09566383549396514 | 20133 | 20133 | 0.06721441823482639 | 18865 | -0.06867101105845182 | 20256 | -0.06551024174201882 | 21676 Autres dépenses d'exploitation | 153559 | -0.07056174606729332 | 165217 | 165217 | 0.42 | 116350 | -0.31733905982304206 | 170436 | 0.37158584281598556 | 124262 303198 | 0.010629681109566714 | 300009 | 300009 | 0.17464947553474314 | 255403 | -0.18029456413943173 | 311579 | 0.1955390648381923 | 260618 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 111729 | 1.323717815398694 | 48082 | 48082 | 0.4816344139036115 | 32452 | 2.74764392266681 | -18569 | -1.1406635860919627 | 132010 Impôts sur le revenu | 34706 | 1.3241143775530704 | 14933 | 14933 | 0.4811545328307875 | 10082 | 2.7518679409209383 | -5755 | -1.141199273762206 | 40758 BÉNÉFICE NET | 77023 | 1.3235391716190534 | 33149 | 33149 | 0.48185069289226645 | 22370 | 2.745746839394412 | -12814 | -1.1404243194669705 | 91252 [scotiainfin] SCOTIA BANK (SCOTIA) INDICATEURS FINANCIERS Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6702422 | 0.20004569268553568 | 5585139 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2012504 | -0.034644790761772876 | 2084729 Dépôts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5900088 | 0.20489949756440348 | 4896747 Avoir des Actionnaires | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 381572 | 0.30785524791433877 | 291754 2019 | (1er octobre au 31 décembre 2018) et deuxième trimestre de l'exercice fiscal 2014-2015 (1er octobre au 31 décembre 2017). | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) Résultats Revenus nets d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres revenus | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Dot. à la prov. pr créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Dépenses d'exploitation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Bénéfice (perte) net | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) | 2018 | 2017 | 2016 | 2015 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05693046483793471 | 0.0522375539803038 | 0.04186627461379778 Dépôts en % de l'actif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.8802919302902742 | 0.8767457712332675 | 0.8508874869905574 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.06872014267058517 | 0.05685393797081728 | 0.06629814765616104 Provisions pour créances douteuses en % des prêts improductifs bruts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5685748629475483 | 0.68622554464597 | 0.575245317582721 Prêts improductifs nets en % de l'avoir des actionnaires | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.16272682481943118 | 0.13264599628454107 | 0.2550943640437804 Rentabilité ROA (rendement de l'actif) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.010548444886662215 | 0.008638096021353353 | -0.0013401712624093896 ROE (rendement avoir des action.) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.19249911632700958 | 0.18415204049069728 | -0.031128200255743293 Revenus nets d'intérêt en % des revenus d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.9007887696143022 | 0.9797062610769793 | 0.9815569711312906 Rendement moyen des prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.12596896452166792 | 0.09405662694680221 | 0.0829999421085822 Rendement moyen des prêts productifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13439307623958416 | 0.10023632250565184 | 0.08960208919037671 Rémunération moyenne des dépôts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.005034994051497499 | 0.0008609572227628543 | 0.0007269498045063902 Dépenses d'exploitation en % du produit net bancaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.7879742780532948 | 0.779948987372431 | 0.9811535129454204 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4708.715083798883 | 3757.6067415730336 | 3129.3777777777777 [scotiavar] SCOTIA BANK (SCOTIA) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 ACTIF Disponibilités Encaisse | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 90909 | 0.18656920968478757 | 76615 Avoirs à la BRH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3048613 | 0.37084271438830124 | 2223897 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1300841 | 0.33452165759436664 | 974762 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 132799 | 0.11583608513355684 | 119013 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4573162 | 0.3473115266917618 | 3394287 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2012504 | -0.034644790761772876 | 2084729 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 100641 | 0.34898465250318345 | 74605 Autres actifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16115 | -0.48870486706009264 | 31518 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6702422 | 0.20004569268553568 | 5585139 PASSIF Dépôts À vue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3743014 | 0.2977142217228158 | 2884313 Épargne | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1815518 | 0.0689679130279136 | 1698384 À terme | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 341556 | 0.0875847794937112 | 314050 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5900088 | 0.20489949756440348 | 4896747 0 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 320949 | 0.18301713620128493 | 271297 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 320949 | 0.18301713620128493 | 271297 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 42741 | -0.10913562748817142 | 47977 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 42741 | -0.10913562748817142 | 47977 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 57072 | -0.2622925391655033 | 77364 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6320850 | 0.19410358400154154 | 5293385 AVOIR DES ACTIONNAIRES Capital versé | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 94373 | 0 | 94373 Réserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 87074 | 0.8453354808629678 | 47186 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 25462 | -0.016265502453347756 | 25883 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 174663 | 0.40503732543921744 | 124312 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 381572 | 0.30785524791433877 | 291754 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6702422 | 0.20004569268553568 | 5585139 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 65193 | 100930 Autres | 0 | 0 | 0 | 0 | 0 | 933815 | 1150985 Portefeuille brut | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2094335 | -0.034586602721716854 | 2169366 Provisions pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 81831 | -0.03315334900811702 | 84637 Portefeuille de crédit improductif | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 143923 | 0.16690855136739177 | 123337 [scotiacomp ] SCOTIA BANK (SCOTIA) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 18 | Comp. | Mars 19 | Comp. | Juin 19 | Comp. | Sept. 19 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. | 2015 | Comp. ACTIF Disponibilités Encaisse | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 90909 | 0.013563604320945473 | 76615 | 0.013717653222238516 Avoirs à la BRH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3048613 | 0.45485243990903584 | 2223897 | 0.39818113747929995 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1300841 | 0.19408521277830612 | 974762 | 0.17452779599576662 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 132799 | 0.019813583805973423 | 119013 | 0.021308869841914407 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4573162 | 0.6823148408142609 | 3394287 | 0.6077354565392196 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2012504 | 0.30026518771870825 | 2084729 | 0.37326358395019354 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 100641 | 0.01501561674272375 | 74605 | 0.013357769609673099 Autres actifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16115 | 0.0024043547243071234 | 31518 | 0.0056431899009138356 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6702422 | 1 | 5585139 | 1 PASSIF Dépôts À vue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3743014 | 0.5584569279582814 | 2884313 | 0.5164263593081568 Épargne | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1815518 | 0.27087491656001367 | 1698384 | 0.3040898355439319 À terme | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 341556 | 0.05096008577197914 | 314050 | 0.056229576381178696 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5900088 | 0.8802919302902742 | 4896747 | 0.8767457712332675 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 320949 | 0.04788552556075998 | 271297 | 0.04857479822794025 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 320949 | 0.04788552556075998 | 271297 | 0.04857479822794025 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 42741 | 0.006376948512045347 | 47977 | 0.008590117452761696 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 42741 | 0.006376948512045347 | 47977 | 0.008590117452761696 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 57072 | 0.008515130798985799 | 77364 | 0.013851759105726823 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6320850 | 0.9430695351620653 | 5293385 | 0.9477624460196962 AVOIR DES ACTIONNAIRES Capital versé | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 94373 | 0.014080432416818875 | 94373 | 0.01689716227295328 Réserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 87074 | 0.012991423100485167 | 47186 | 0.008448491613189932 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 25462 | 0.0037989252243442744 | 25883 | 0.003861738338767687 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 174663 | 0.026059684096286388 | 124312 | 0.022257637634443835 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 381572 | 0.05693046483793471 | 291754 | 0.0522375539803038 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6702422 | 1 | 5585139 | 1 [scotiagdes&$] SCOTIA BANK (SCOTIA) BILAN DEVISES ET GOURDES (En milliers de gourdes) Septembre 19 | Septembre 18 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs à la BRH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres liquidités | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Portefeuille net | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Immobilisations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres actifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 PASSIF Dépôts À vue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Épargne | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 À terme | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Obligations à terme Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres passifs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AVOIR DES ACTIONNAIRES Capital versé | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 *Converties au taux de 93.3162 gdes | *Converties au taux de 69.9774 Gdes [SCOTIARÉSULT ] SCOTIA BANK (SCOTIA) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2019 | 2018 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AUTRES REVENUS Commissions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Gains sur change | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 PRODUIT NET BANCAIRE | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Frais de locaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Amortissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres dépenses d'exploitation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019(oct. 18-juin 19) | 2018(oct.17-juin 18) | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dépenses d'intérêt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 AUTRES REVENUS Commissions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Gains sur change | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 PRODUIT NET BANCAIRE | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Frais de locaux | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Amortissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres dépenses d'exploitation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BÉNÉFICE NET | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 [SCOTIAVARAN ] SCOTIA BANK (SCOTIA) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2019 | Var. | 2018 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 0 | 0 | 0 | 0 | 0 | 115924 | -0.44091518524591744 | 207346 | 0.10397887305196016 | 187817 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 0 | 0 | 0 | 0 | 5069 | 0.6283327979441053 | 3113 | -0.2250435648493901 | 4017 0 | 0 | 0 | 0 | 0 | 120993 | -0.42509942554131686 | 210459 | 0.09708914999426588 | 191834 Dépenses d'intérêt | 0 | 0 | 0 | 0 | 0 | 12889 | 2.017794427534535 | 4271 | 0.2071791972866026 | 3538 0 | 0 | 0 | 0 | 0 | 108104 | -0.4757017867189167 | 206188 | 0.09502060585461189 | 188296 AUTRES REVENUS Commissions | 0 | 0 | 0 | 0 | 0 | 50424 | -0.4069439217162213 | 85024 | 0.17040401954711268 | 72645 Gains sur change | 0 | 0 | 0 | 0 | 0 | 19050 | -0.5353545208419718 | 40999 | 0.2455266275784549 | 32917 Autres | 0 | 0 | 0 | 0 | 0 | 12921 | 4.830776173285199 | 2216 | 1.1814311445881776 | -12214 0 | 0 | 0 | 0 | 0 | 82395 | -0.35748875147186115 | 128239 | 0.3737734070360372 | 93348 PRODUIT NET BANCAIRE | 0 | 0 | 0 | 0 | 0 | 190499 | -0.4303719496332533 | 334427 | 0.1874103478149721 | 281644 Dotation à la provision pour créances douteuses | 0 | 0 | 0 | 0 | 0 | 8775.9 | 8.088199660770538 | -1238.0999999999995 | -2.9276039234002815 | 642.2999999999993 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | 181723.1 | -0.4586178306889813 | 335665.1 | 0.19453049572297948 | 281001.7 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 0 | 0 | 0 | 0 | 0 | 64003 | -0.27789561567795656 | 88634 | -0.015495007164358152 | 90029 Frais de locaux | 0 | 0 | 0 | 0 | 0 | 12693 | -0.412931871791314 | 21621 | 0.03957111260698144 | 20798 Amortissement | 0 | 0 | 0 | 0 | 0 | 1719 | -0.778250773993808 | 7752 | 0.5457627118644067 | 5015 Autres dépenses d'exploitation | 0 | 0 | 0 | 0 | 0 | 145519 | 0.01883371024091746 | 142829 | -0.11006641992847084 | 160494 0 | 0 | 0 | 0 | 0 | 223934 | -0.14147586989525987 | 260836 | -0.05609113542933241 | 276336 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 0 | 0 | 0 | 0 | 0 | -42210.899999999994 | -1.5640973899191626 | 74829.09999999998 | 15.038129326789075 | 4665.700000000012 Impôts sur le revenu | 0 | 0 | 0 | 0 | 0 | 8831.43 | -0.6495635332084982 | 25201.230000000003 | 1.0114977024549452 | 12528.59 BÉNÉFICE NET (PERTE NETTE) | 0 | 0 | 0 | 0 | 0 | -51042.329999999994 | -2.028501323953658 | 49627.86999999997 | 7.311657672942143 | -7862.8899999999885 [sogebkinfin ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) INDICATEURS FINANCIERS Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 92288899.21184 | 0.07504768430157456 | 99214967.38443 | 0.029843618651077233 | 102175901.03553 | 0.030589189231061034 | 105301379.00716 | 0.21533716576034012 | 86643757.77669999 | 0.17785136696220455 | 73560858.53189 | 0.04432834839325524 | 70438438.87324001 | 0.2075516041135451 | 58331617.989070006 Bons B.R.H. | 320000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1294000 | -0.19125 | 1600000 | 2.5555555555555554 | 450000 | 0 | 0 Prêts nets | 30004764.64312 | 0.05240954223183956 | 31577300.622840002 | 0.019547652732657312 | 32194562.729650002 | -0.00256937219848696 | 32111842.915229995 | -1 | 28261873.66338 | 0.25428331186898884 | 22532288.675090004 | 0.060873134662724586 | 21239380.97674 | 0.11719925418445999 | 19011273.859330002 Dépôts | 74602852.9393083 | 0.0699688297990081 | 79822727.2591392 | 0.059877980145099846 | 84602350.93708965 | 0.01979485090130623 | 86277041.85978933 | -1 | 70694658.70082822 | 0.17636733221359918 | 60095734.35518679 | 0.03233236471147903 | 58213552.54320891 | 0.2325514190315698 | 47230120.90558298 Avoir des Actionnaires | 7115309.773679999 | -0.012874344782408552 | 7023704.822420001 | 0.0553573228261085 | 7412518.31771 | 0.014616952179549659 | 7520866.743490003 | -1 | 6883075.162929996 | 0.17081376277810323 | 5878881.323189998 | 0.11567355569832939 | 5269356.15993 | 0.2540230437215673 | 4201961.189080002 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) Résultats Revenus nets d'intérêt | 763858.8462500001 | 0.26283817466345605 | 604874.68749 | 718056.5432400001 | 0.12094989578733402 | 640578.62527 | 836272.53712 | 0.24362140758110493 | 672449.45449 | 995294.05282 | 0.49870858026149567 | 664101.1240799999 | 3313481.9794299994 | 0.2832986001904173 | 2582003.89133 Autres revenus | 556729.7147464 | 0.050952826212684994 | 529738.063270342 | 637513.3939700001 | 0.33615927401996315 | 477123.8028023261 | 687041.34194883 | 0.22580529487236464 | 560481.6236500001 | 634617.7897889974 | -0.19005759233194322 | 783534.4634146955 | 2515902.240454227 | 0.070196875638155 | 2350877.9531373633 Dot. à la prov. pr créances douteuses | 118748.43185 | 0.3267990889770337 | 89499.93472 | 126024.95297 | 0.4519441400634392 | 86797.38392999998 | 168239.77074 | 0.43619677307036087 | 117142.56284000003 | 140826.91974999997 | 0.11596313137439654 | 126193.16515999998 | 553840.07531 | 0.3198199706419619 | 419633.04665 Dépenses d'exploitation | 870183.94073 | 0.10847739141272643 | 785026.33204 | 940005.0998 | 0.1720421124551219 | 802023.3145300001 | 1068686.3622499998 | 0.2591309169837195 | 848749.20299 | 1118740.5023200002 | 0.1778815076014443 | 949790.3610000001 | 3997615.9051 | 0.18077405629455146 | 3385589.2105600005 Bénéfice (perte) net | 249656.1884164001 | 0.224306066477595 | 203916.48400034197 | 229539.88444000017 | 0.2643222123531679 | 181551.72961232602 | 221087.7460788302 | 0.122048912406855 | 197039.31231000007 | 374844.4205389973 | 0.13812683916397844 | 329352.0613346951 | 1075128.2394742258 | 0.17905021178527347 | 911859.5872573629 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) | 2018 | 2017 | 2016 | 2015 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.07709821911893772 | 0.08429701482029836 | 0.0707927947524805 | 0.07876801483324114 | 0.07254664008426427 | 0.07801518208809051 | 0.07142230058524324 | 0.07944109696475993 | 0.07142230058524324 | 0.07944109696475993 | 0.07944109696475993 | 0.07991860672264169 | 0.07480796343900603 | 0.07203573866007543 Dépôts en % de l'actif | 0.8083621494722226 | 0.789974190241537 | 0.8045431991107617 | 0.7939251713247153 | 0.8280068986880826 | 0.8146633141700348 | 0.8193343968830921 | 0.8159232761236407 | 0.8193343968830921 | 0.8159232761236407 | 0.8159232761236407 | 0.8169525961844799 | 0.8264458082038015 | 0.8096830249836857 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.01569543465539145 | 0.027551243781507573 | 0.055682150146817815 | 0.04709895529735428 | 0.059874046537882294 | 0.04156749147887451 | 0.01752335009540226 | 0.009889922284401194 | 0.01752335009540226 | 0.009889922284401194 | 0.009889922284401194 | 0.023129614774694583 | 0.032819462577018274 | 0.04850181662821433 Provisions pour créances douteuses en % des prêts improductifs bruts | 1.6784645111437315 | 1.2479957797468173 | 0.4846509786957585 | 0.7098397779062932 | 0.516235041848072 | 0.8001449441700302 | 2.15392953028409 | 2.526588002623216 | 2.15392953028409 | 2.526588002623216 | 2.526588002623216 | 1.631193197118891 | 1.253213939942088 | 0.8812932065444768 Prêts improductifs nets en % de l'avoir des actionnaires | -0.04612022880070303 | -0.027265366408956423 | 0.13258893921159043 | 0.058707793766369136 | 0.12981510965861282 | 0.03586782581542851 | -0.0897228710206966 | -0.06358037634935687 | -0.0897228710206966 | -0.06358037634935687 | -0.06358037634935687 | -0.05814921635371679 | -0.03493361736482914 | 0.027212272361572004 Rentabilité ROA (rendement de l'actif) | 0.011162017828076614 | 0.010939616205915983 | 0.009588939942352933 | 0.00945758828662554 | 0.008782433794080328 | 0.009826473825225914 | 0.01445341563999182 | 0.015586185610724354 | 0.011202453549889885 | 0.011383686790908908 | 0.011383686790908908 | 0.010476159474192627 | 0.015564538256984568 | 0.01002449969514398 ROE (rendement avoir des action.) | 0.14267713856816377 | 0.1331871595635812 | 0.12987602941060108 | 0.11606053106611773 | 0.12251833124648655 | 0.12536759769939834 | 0.200808815417434 | 0.19792982362464462 | 0.14928250147899153 | 0.1429027887262395 | 0.14290278896485956 | 0.14081532750106415 | 0.21161221850485226 | 0.1388503826539854 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8010008331397307 | 0.7819663729680532 | 0.783713647752467 | 0.792223239695161 | 0.7940562586988974 | 0.7845708812578047 | 0.7393111929040466 | 0.7458303788990746 | 0.7761248646118251 | 0.7754640419260888 | 0.7754640419260888 | 0.740530066579505 | 0.7384321497851011 | 0.839938467821129 Rendement moyen des prêts | 0.11089080867744454 | 0.10709121393205814 | 0.10227730200528151 | 0.1068145437211407 | 0.11461819513197079 | 0.11069158446339063 | 0.14734584334124715 | 0.10920311736778807 | 0.122047295499413 | 0.10951382869452511 | 0.10951382869452511 | 0.10949613651669089 | 0.1165599849408993 | 0.08533805201672334 Rendement moyen des prêts productifs | 0.11233789209203651 | 0.10988572398912398 | 0.10611945517601125 | 0.11097728017383436 | 0.12164987652565022 | 0.115818132077275 | 0.1532698770251001 | 0.11204749730423721 | 0.12377708562221774 | 0.11127261078272137 | 0.11127261078272137 | 0.11326343387685847 | 0.12144614872788519 | 0.0886412985887333 Rémunération moyenne des dépôts | 0.010448722934224185 | 0.011263730730453192 | 0.010265996118795466 | 0.011050628472546908 | 0.010552784995542096 | 0.011444804894507273 | 0.016430349714417286 | 0.013136357514699671 | 0.012177762779105613 | 0.011432343876355026 | 0.011432343876355026 | 0.012782494509331483 | 0.014490003478511261 | 0.007350691862049117 0 | 0 Dépenses d'exploitation en % du produit net bancaire | 0.6589364518449529 | 0.6918892208058895 | 0.6934390281143995 | 0.7175642589532797 | 0.7015536173695637 | 0.6883995529339914 | 0.6863809888817263 | 0.6560976872941655 | 0.6857698436593007 | 0.6863308948616355 | 0.6863308948616355 | 0.7110305086638463 | 0.6230409619146867 | 0.6409289433457857 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 3727.8435031655617 | 3147.3307926777866 | 3903.7291208351335 | 3099.348154100038 | 4468.834262028105 | 3389.5012457457046 | 4829.368422545177 | 4025.403093485423 | 4207.422749826219 | 3418.4905367064193 | 3418.4905367064193 | 2975.7234170833362 | 2941.9717203651107 | 2282.5178260781895 [sogebkvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 ACTIF Disponibilités Encaisse | 2934600.8126100004 | 0.32247355779825604 | 3880931.9773700004 | -0.09925989263049499 | 3495711.0859899996 | 0.1825543982904043 | 4133868.5198899996 | 0.2790735423954596 | 3231924.03163 | 0.16859104542579878 | 2765658.73432 | 0.23062860422175177 | 2247354.50227 | -0.3369405267709298 | 3389370.9282599995 Avoirs à la BRH | 32351838.14929 | 0.06750552338269318 | 34535765.91595 | 0.08351770899853984 | 37420113.96376 | 0.04131691376427434 | 38966197.58544999 | 0.29529112363845467 | 30082965.03723 | 0.20851501659321364 | 24892504.12629 | 0.050573302404947354 | 23694209.69418 | 0.4020045634559915 | 16900237.21162 Avoirs à l'étranger | 3482506.0780800004 | -0.2146154529016822 | 2735106.4589 | 0.24586361503838863 | 3407569.6204 | 0.3966466512696935 | 4759170.6993 | 1.2155421032641143 | 2148084.07039 | 0.32748777419658076 | 1618157.3285600003 | -0.024029877787984 | 1657998.83801 | 0.3986267411230935 | 1185447.68898 Avoirs dans les banques locales | 7509.365669999999 | 0.3055224716470626 | 9803.645629999999 | -0.35483184126474787 | 6325 | -0.1158893280632411 | 5592 | -0.28950296252234603 | 7870.54654 | -0.11626636777180285 | 8906.01676 | 2.367063956529827 | 2645.03938 | -0.5566583976056785 | 5966.142959999999 Autres liquidités | 174819.34513 | 0.23387752819687035 | 215705.66144999999 | -0.2553676271624811 | 160621.41852 | 1.3105411672963723 | 371122.39983999997 | 4.129232693861531 | 72354.36994 | -0.4100052995953666 | 122635.62688 | 0.07212850737352773 | 114385.1936 | 0.48643688242108746 | 76952.60724 38951273.750779994 | 0.062283968530590726 | 41377313.6593 | 0.07523512654791001 | 44490341.08867 | 0.08418928747579003 | 48235951.20447999 | 0.35710779679556054 | 35543198.05573 | 0.20862911617990787 | 29407861.832810003 | 0.061020073753321566 | 27716593.26744 | 0.2856770549475495 | 21557974.57906 Bons B.R.H. | 320000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1294000 | -0.19125 | 1600000 | 2.5555555555555554 | 450000 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 16764742.67946 | 0.06650465353792782 | 17879676.08301 | 0.10133739101021672 | 19691555.809370004 | -0.03323079788132507 | 19037189.698299997 | 0.1846914332765642 | 16069323.339030001 | 0.09111072495658237 | 14727490.9608 | -0.08928617890021441 | 16171370.873690002 | 0.29454134709714097 | 12491969.383559998 Portefeuille net | 30004764.64312 | 0.05240954223183956 | 31577300.622840002 | 0.019547652732657312 | 32194562.729650002 | -0.00256937219848696 | 32111842.915229995 | 0.13622484120147163 | 28261873.66338 | 0.25428331186898884 | 22532288.675090004 | 0.060873134662724586 | 21239380.97674 | 0.11719925418445999 | 19011273.859330002 Immobilisations | 2883937.75426 | -0.011966653915821232 | 2849426.6692399997 | 0.0071993325644949605 | 2869940.6394499997 | 0.019965435491021605 | 2927240.25415 | -0.02415283894338424 | 2999691.31537 | 0.09714748148582115 | 2734082.12295 | 0.04926917097895173 | 2605701.3763200003 | 0.14158094262525897 | 2282537.5573699996 Autres actifs | 3364180.3842200004 | 0.6441598601504369 | 5531250.350039999 | -0.4703727759549311 | 2929500.7683900003 | 0.02036325344361816 | 2989154.935 | 0.20741182822096516 | 2475671.40319 | -0.03261396487446363 | 2559134.94024 | 0.13467393257661914 | 2255392.3790499996 | -0.24514856483353745 | 2987862.60975 92288899.21184 | 0.07504768430157456 | 99214967.38443 | 0.029843618651077233 | 102175901.03553 | 0.030589189231061034 | 105301379.00716 | 0.21533716576034012 | 86643757.77669999 | 0.17785136696220455 | 73560858.53189 | 0.04432834839325524 | 70438438.87324001 | 0.2075516041135451 | 58331617.989070006 PASSIF Dépôts À vue | 29952248.416572273 | 0.10827291263773786 | 33195265.592683624 | 0.017241806364868745 | 33767611.934263065 | 0.0663633652876095 | 36008544.29994681 | 0.21754378886942452 | 29574742.714907434 | 0.1465257073654054 | 25795097.767905317 | 0.19589666051933563 | 21569671.20947007 | 0.42430429799474745 | 15144004.858960003 Épargne | 25379429.74964194 | 0.04166534636854481 | 26436872.480796922 | 0.08570826594004692 | 28702730.978004172 | -0.0055237833798298 | 28544183.309672147 | 0.2212460382606412 | 23372999.71947191 | 0.09564390913095178 | 21332660.66162958 | 0.013814928835216208 | 21041967.37972573 | 0.04082014796363803 | 20216717.961209998 À terme | 19271174.773094084 | 0.04770930798926836 | 20190589.18565865 | 0.0961546402292589 | 22132008.02482242 | -0.01842100247726274 | 21724314.25017037 | 0.2241176959425268 | 17746916.266448893 | 0.36851860060472524 | 12967975.925651891 | -0.16882146870728781 | 15601913.954013113 | 0.314465471773775 | 11869398.08541298 74602852.9393083 | 0.0699688297990081 | 79822727.2591392 | 0.059877980145099846 | 84602350.93708965 | 0.01979485090130623 | 86277041.85978933 | 0.2204181114290965 | 70694658.70082822 | 0.17636733221359918 | 60095734.35518679 | 0.03233236471147903 | 58213552.54320891 | 0.2325514190315698 | 47230120.90558298 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3259001.1612299997 | -0.0231300426114454 | 3183620.3255 | 0.18806077636345345 | 3782334.43556 | 0.2465916674716021 | 4715026.590960002 | 0.8114585608379633 | 2602889.5680500004 | 0.19279365913644386 | 2182179.24627 | 0.5570539614340781 | 1401479.525 | -0.35207887476906324 | 2163040.33072 3259001.1612299997 | -0.0231300426114454 | 3183620.3255 | 0.18806077636345345 | 3782334.43556 | 0.2465916674716021 | 4715026.590960002 | 0.8114585608379633 | 2602889.5680500004 | 0.19279365913644386 | 2182179.24627 | 0.5570539614340781 | 1401479.525 | -0.35207887476906324 | 2163040.33072 Obligations à terme Banques locales | 2017389.03244 | 1.4410993123888047 | 4924646.97991 | -0.35839755608883384 | 3159665.53771 | 0.26698025199888237 | 4003233.8392 | 1.0768766090458932 | 1927526.08497 | 0.2126360249188096 | 1589533.9123699998 | 1.229892841266061 | 712829.73018 | 0.7820743254499999 | 400000 Banque à l'étranger | 2233685.36856 | -0.5342678891026383 | 1040299.0017799999 | -0.678004683204686 | 334971.40664 | -0.9980304756557653 | 659.73434 | -0.9996995103441091 | 2195530.95112 | 0.38687793837260204 | 1583074.39348 | -0.059353988167959636 | 1682965.0831100002 | 0.12237544627236939 | 1499467.12457 Autres | 1084813.9620299998 | 0.25521406248488543 | 1361673.7403200003 | -0.3112416132886596 | 937864.2086100001 | -0.20785635396932403 | 742923.17369 | 0.02334256853511094 | 725977.00568 | -0.08336263331638934 | 792000.23048 | -0.2601231412639589 | 1070448.7120100001 | 0.004792584457372964 | 1065342.96587 5335888.36303 | 0.37308339746627633 | 7326619.72201 | -0.3950141646298002 | 4432501.152960001 | 0.07091156514648643 | 4746816.74723 | -0.02107992925178324 | 4849034.04177 | 0.22308015970189687 | 3964608.53633 | 0.14377668718093523 | 3466243.5253 | 0.16912834871847846 | 2964810.09044 Autres passifs | 1975846.9746 | -0.059494343818704755 | 1858295.25536 | 0.047301921805193076 | 1946196.19222 | 0.04903455975892308 | 2041627.0657100002 | 0.26487000950408834 | 1614100.30309 | 0.12132732436152036 | 1439455.07081 | -0.3105421199311306 | 2087807.1198 | 0.1784298913791414 | 1771685.4732499998 85173589.4381683 | 0.08239259575804742 | 92191262.5620092 | 0.027899825692162674 | 94763382.71782966 | 0.031838558938356465 | 97780512.26368931 | 0.225923714033602 | 79760682.61373822 | 0.178462655839895 | 67681977.2085968 | 0.03855961125527234 | 65169082.713308915 | 0.2039441327719146 | 54129656.79999298 AVOIR DES ACTIONNAIRES Capital versé | 1500000 | 0 | 1500000 | 0 | 1500000 | 0 | 1500000 | 0 | 1500000 | 0.11464494842909372 | 1345720 | 0.011367095171708898 | 1330595 | 0.004222641509433962 | 1325000 Réserves | 2261528.10928 | 0.09044953431294013 | 2466082.2736 | 0.06801303873984427 | 2633808.02281 | -0.05824669030976919 | 2480397.4225700004 | 0.010935318103400595 | 2453566.88816 | 0.2231248291281873 | 2005982.4064800001 | 0.28321173314158277 | 1563251.29725 | 0.26701178024724787 | 1233809.5995800002 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 376690.93492 | 0 | 376690.93492 | 0 | 376690.93492 | 0 | 376690.93492 | 0.013108574169605786 | 371816.94492 | 0.7637007500620995 | 210816.3445 | 0.6745054941270606 | 125897.67262 | 0.2784156086431362 | 98479.45517 BNR | 2977090.729479999 | -0.09947937180662529 | 2680931.6139000007 | 0.0824667607833454 | 2902019.35998 | 0.09019892480035246 | 3163778.386000003 | 0.23696645841371075 | 2557691.3298499957 | 0.10418436238578636 | 2316362.572209997 | 0.029671950767752503 | 2249612.190060001 | 0.4563687270993372 | 1544672.1343300017 7115309.773679999 | -0.012874344782408552 | 7023704.822420001 | 0.0553573228261085 | 7412518.31771 | 0.014616952179549659 | 7520866.743490003 | 0.09266084787144925 | 6883075.162929996 | 0.17081376277810323 | 5878881.323189998 | 0.11567355569832939 | 5269356.15993 | 0.2540230437215673 | 4201961.189080002 92288899.2118483 | 0.07504768430146916 | 99214967.3844292 | 0.02984361865118291 | 102175901.03553966 | 0.03058918923115279 | 105301379.00717932 | 0.21533716576100878 | 86643757.77666822 | 0.17785136696342518 | 73560858.5317868 | 0.044328348391806174 | 70438438.87323892 | 0.2075516041134649 | 58331617.98907298 Hors-bilan Effets à l'encaissement | 163256.20395 | 152874.67580000003 | 30042.307989999998 | 11996.07348 | 140620.2047 | 61909.50762 | 111401.26890000001 | 95248.02574 Crédit documentaire | 1366941.83391 | 1618930.42626 | 1583434.9459099998 | 1838622.5177399998 | 1615259.18351 | 1162471.39501 | 1115041.48352 | 759304.23378 Autres | 5704283.398820001 | 4832197.41481 | 4214526.60703 | 6761928.37086 | 5409543.9882499995 | 4168139.03058 | 4345757.98061 | 4256952.936050001 Portefeuille brut | 30816604.357869998 | 0.05310412121418802 | 32453093.0511 | 0.023674563132710633 | 33221405.85139 | 0.004515456729948074 | 33371415.672019996 | 0.15128739048151293 | 28986173.17268 | 0.23789278610604409 | 23415738.017070003 | 0.057123709620811196 | 22150423.64859 | 0.11531815151873014 | 19860183.947 | 0.15357166325707972 Provisions pour créances douteuses | 811839.71475 | 0.07877504924687465 | 875792.42826 | 0.17247316670698268 | 1026843.1217400001 | 0.2266457554447424 | 1259572.75679 | 0.739021966213004 | 724299.5093 | -0.18014596323464455 | 883449.34198 | -0.03028763714653221 | 911042.67185 | 0.07319100701292766 | 848910.08767 | 0.004735417357997233 Portefeuille de crédit improductif | 483680 | 2.7360610320873304 | 1807058 | 0.1007394339307316 | 1989100 | -0.7060082449348952 | 584779 | 1.0398959085502195 | 286671 | -0.47069315376562276 | 541597 | -0.25498889217500154 | 726965 | -0.24530368386356677 | 963255 | -0.3526037102674669 I/Aa | 0.4053144340851998 | 0.40568713254356786 | 0.3871748461778682 | 0.3892158116860392 liq/ac | 0.42552543248605323 | 0.4170470922897609 | 0.43542890875216467 | 0.45807520907394933 liq/de | 0.5264044497430732 | 0.5183650707018728 | 0.5258759431136026 | 0.5590821169189977 [sogebkcomp ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 18 | Comp. | Mars 19 | Comp. | Juin 19 | Comp. | Sept. 19 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. | 2015 | Comp. ACTIF Disponibilités Encaisse | 2934600.8126100004 | 0.031797982614072746 | 3880931.9773700004 | 0.03911639624223716 | 3495711.0859899996 | 0.03421267686961158 | 4133868.5198899996 | 0.039257496519669664 | 3231924.03163 | 0.03730129110927274 | 2765658.73432 | 0.037596879502446744 | 2247354.50227 | 0.03190522871062356 | 3389370.9282599995 | 0.058105210263413046 Avoirs à la BRH | 32351838.14929 | 0.3505496156696979 | 34535765.91595 | 0.3480902814001203 | 37420113.96376 | 0.3662322875014116 | 38966197.58544999 | 0.3700445136886619 | 30082965.03723 | 0.3472029123524445 | 24892504.12629 | 0.33839333339888406 | 23694209.69418 | 0.33638181188001276 | 16900237.21162 | 0.28972687187910184 Avoirs à l'étranger | 3482506.0780800004 | 0.037734831684212135 | 2735106.4589 | 0.02756747828482606 | 3407569.6204 | 0.03335003250145133 | 4759170.6993 | 0.04519571105499387 | 2148084.07039 | 0.024792138816579087 | 1618157.3285600003 | 0.021997531851242584 | 1657998.83801 | 0.023538267805646725 | 1185447.68898 | 0.020322557985655833 Avoirs dans les banques locales | 7509.365669999999 | 8.136802729397602e-05 | 9803.645629999999 | 9.881216401567355e-05 | 6325 | 6.190305087498651e-05 | 5592 | 5.3104717646857886e-05 | 7870.54654 | 9.083801005358203e-05 | 8906.01676 | 0.00012107004917756739 | 2645.03938 | 3.755107896073584e-05 | 5966.142959999999 | 0.00010227974408523893 Autres liquidités | 174819.34513 | 0.001894261895233137 | 215705.66144999999 | 0.002174124198561709 | 160621.41852 | 0.0015720088288151874 | 371122.39983999997 | 0.00352438309297702 | 72354.36994 | 0.000835078853879735 | 122635.62688 | 0.001667131533366147 | 114385.1936 | 0.0016239030198532073 | 76952.60724 | 0.0013192263457259001 38951273.750779994 | 0.4220580598905098 | 41377313.6593 | 0.4170470922897609 | 44490341.08867 | 0.43542890875216467 | 48235951.20447999 | 0.45807520907394933 | 35543198.05573 | 0.41022225914222965 | 29407861.832810003 | 0.39977594633511715 | 27716593.26744 | 0.393486762495097 | 21557974.57906 | 0.3695761462179819 Bons B.R.H. | 320000 | 0.00346737259554339 | 0 | 0 | 0 | 0 | 0 | 0 | 1294000 | 0.014934716974475211 | 1600000 | 0.0217506977478569 | 450000 | 0.006388557259336958 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 16764742.67946 | 0.18165502918155085 | 17879676.08301 | 0.18021147972292628 | 19691555.809370004 | 0.1927221155849909 | 19037189.698299997 | 0.18078765803252736 | 16069323.339030001 | 0.18546429369377285 | 14727490.9608 | 0.20020825279540963 | 16171370.873690002 | 0.22958161953009443 | 12491969.383559998 | 0.21415434397689267 Portefeuille net | 30004764.64312 | 0.32511780831026105 | 31577300.622840002 | 0.3182715416363226 | 32194562.729650002 | 0.3150895896524061 | 32111842.915229995 | 0.3049517795303188 | 28261873.66338 | 0.3261847637797181 | 22532288.675090004 | 0.30630812533708857 | 21239380.97674 | 0.3015311144950569 | 19011273.859330002 | 0.32591713576147113 Immobilisations | 2883937.75426 | 0.031249021051168974 | 2849426.6692399997 | 0.028719725907879155 | 2869940.6394499997 | 0.028088234215346185 | 2927240.25415 | 0.02779868869476972 | 2999691.31537 | 0.03462097434763695 | 2734082.12295 | 0.03716762117131524 | 2605701.3763200003 | 0.03699260542967431 | 2282537.5573699996 | 0.039130365932892416 Autres actifs | 3364180.3842200004 | 0.036452708970965815 | 5531250.350039999 | 0.05575016044311101 | 2929500.7683900003 | 0.028671151795092213 | 2989154.935 | 0.0283866646684347 | 2475671.40319 | 0.028572992062167357 | 2559134.94024 | 0.034789356613212544 | 2255392.3790499996 | 0.03201934079074028 | 2987862.60975 | 0.05122200811076175 92288899.21184 | 1 | 99214967.38443 | 1 | 102175901.03553 | 1 | 105301379.00716 | 1 | 86643757.77669999 | 1 | 73560858.53189 | 1 | 70438438.87324001 | 1 | 58331617.989070006 | 1 PASSIF Dépôts À vue | 29952248.416572273 | 0.3245487666704081 | 33195265.592683624 | 0.3345792118648927 | 33767611.934263065 | 0.33048509082900995 | 36008544.29994681 | 0.3419570060663536 | 29574742.714907434 | 0.3413372581453363 | 25795097.767905317 | 0.3506633593288292 | 21569671.20947007 | 0.306220176859492 | 15144004.858960003 | 0.2596191462029673 Épargne | 25379429.74964194 | 0.2749998100138347 | 26436872.480796922 | 0.2664605268513721 | 28702730.978004172 | 0.28091487999722425 | 28544183.309672147 | 0.27107131529332845 | 23372999.71947191 | 0.26975976480278324 | 21332660.66162958 | 0.29000015888043873 | 21041967.37972573 | 0.29872847434328503 | 20216717.961209998 | 0.34658249947735276 À terme | 19271174.773094084 | 0.2088135727879798 | 20190589.18565865 | 0.20350346039449685 | 22132008.02482242 | 0.21660692786184854 | 21724314.25017037 | 0.20630607552341 | 17746916.266448893 | 0.20482625317552128 | 12967975.925651891 | 0.17628907797521193 | 15601913.954013113 | 0.22149715700102454 | 11869398.08541298 | 0.20348137930336563 74602852.9393083 | 0.8083621494722226 | 79822727.2591392 | 0.8045431991107617 | 84602350.93708965 | 0.8280068986880826 | 86277041.85978933 | 0.8193343968830921 | 70694658.70082822 | 0.8159232761236407 | 60095734.35518679 | 0.8169525961844799 | 58213552.54320891 | 0.8264458082038015 | 47230120.90558298 | 0.8096830249836857 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 3259001.1612299997 | 0.03531303536029058 | 3183620.3255 | 0.03208810534769788 | 3782334.43556 | 0.03701787209338878 | 4715026.590960002 | 0.04477649424362621 | 2602889.5680500004 | 0.03004128208241174 | 2182179.24627 | 0.0296649507607906 | 1401479.525 | 0.019896515985001913 | 2163040.33072 | 0.03708178180700051 3259001.1612299997 | 0.03531303536029058 | 3183620.3255 | 0.03208810534769788 | 3782334.43556 | 0.03701787209338878 | 4715026.590960002 | 0.04477649424362621 | 2602889.5680500004 | 0.03004128208241174 | 2182179.24627 | 0.0296649507607906 | 1401479.525 | 0.019896515985001913 | 2163040.33072 | 0.03708178180700051 Obligations à terme | 0 Banques locales | 2017389.03244 | 0.021859498267600783 | 4924646.97991 | 0.04963612960561064 | 3159665.53771 | 0.030923784431431418 | 4003233.8392 | 0.038016917508058454 | 1927526.08497 | 0.02224656610505812 | 1589533.9123699998 | 0.0216084198049552 | 712829.73018 | 0.010119896772028096 | 400000 | 0.006857344503540957 Banque à l'étranger | 2233685.36856 | 0.02420318573128494 | 1040299.0017799999 | 0.010485303066715074 | 334971.40664 | 0.003278379767099085 | 659.73434 | 6.26520133183765e-06 | 2195530.95112 | 0.02533974757625778 | 1583074.39348 | 0.021520607903097105 | 1682965.0831100002 | 0.02389270844202893 | 1499467.12457 | 0.02570590661227613 Autres | 1084813.9620299998 | 0.011754544385017716 | 1361673.7403200003 | 0.01372447903998092 | 937864.2086100001 | 0.009178917916112852 | 742923.17369 | 0.0070552083998775056 | 725977.00568 | 0.00837887257326722 | 792000.23048 | 0.010766598518377177 | 1070448.7120100001 | 0.015196939755243073 | 1065342.96587 | 0.018263559328486664 5335888.36303 | 0.05781722838390344 | 7326619.72201 | 0.07384591171230663 | 4432501.152960001 | 0.04338108211464336 | 4746816.74723 | 0.0450783911092678 | 4849034.04177 | 0.055965186254583126 | 3964608.53633 | 0.05389562622642948 | 3466243.5253 | 0.04920954496930009 | 2964810.09044 | 0.050826810444303754 0 Autres passifs | 1975846.9746 | 0.02140936766473549 | 1858295.25536 | 0.018729989076745147 | 1946196.19222 | 0.019047507019715363 | 2041627.0657100002 | 0.019388417178954315 | 1614100.30309 | 0.018629158574237872 | 1439455.07081 | 0.019568220104255164 | 2087807.1198 | 0.029640167402874833 | 1771685.4732499998 | 0.03037264410498561 85173589.4381683 | 0.9229017808811522 | 92191262.5620092 | 0.9292072052475114 | 94763382.71782966 | 0.9274533599158302 | 97780512.26368931 | 0.9285776994149403 | 79760682.61373822 | 0.9205589030348734 | 67681977.2085968 | 0.9200813932759553 | 65169082.713308915 | 0.9251920365609785 | 54129656.79999298 | 0.9279642613399756 AVOIR DES ACTIONNAIRES | 0 Capital versé | 1500000 | 0.01625330904160964 | 1500000 | 0.015118686621020831 | 1500000 | 0.014680565424897986 | 1500000 | 0.014244827694972609 | 1500000 | 0.01731226851755241 | 1345720 | 0.018293968108278744 | 1330595 | 0.018890182992194353 | 1325000 | 0.022714953667979418 Réserves | 2261528.10928 | 0.024504876844276654 | 2466082.2736 | 0.024855950050808633 | 2633808.02281 | 0.02577719399698894 | 2480397.4225700004 | 0.023555222599709214 | 2453566.88816 | 0.028317872529067603 | 2005982.4064800001 | 0.02726969813179069 | 1563251.29725 | 0.02219315649603201 | 1233809.5995800002 | 0.021151643690239957 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 376690.93492 | 0.004081649452285083 | 376690.93492 | 0.0037967147986898886 | 376690.93492 | 0.0036866906100393665 | 376690.93492 | 0.003577264974795694 | 371816.94492 | 0.004291329859887356 | 210816.3445 | 0.0028658766184547343 | 125897.67262 | 0.001787343311889175 | 98479.45517 | 0.001688268876554269 BNR | 2977090.729479999 | 0.032258383780766335 | 2680931.6139000007 | 0.027021443281961148 | 2902019.35998 | 0.028402190052337982 | 3163778.386000003 | 0.030044985315765726 | 2557691.3298499957 | 0.029519626058252556 | 2316362.572209997 | 0.0314890638641175 | 2249612.190060001 | 0.03193728063889051 | 1544672.1343300017 | 0.02648087242530179 7115309.773679999 | 0.07709821911893772 | 7023704.822420001 | 0.0707927947524805 | 7412518.31771 | 0.07254664008426427 | 7520866.743490003 | 0.07142230058524324 | 6883075.162929996 | 0.07944109696475993 | 5878881.323189998 | 0.07991860672264169 | 5269356.15993 | 0.07480796343900603 | 4201961.189080002 | 0.07203573866007543 92288899.2118483 | 1.00000000000009 | 99214967.3844292 | 0.9999999999999919 | 102175901.03553966 | 1.0000000000000946 | 105301379.00717932 | 1.0000000000001836 | 86643757.77666822 | 0.9999999999996333 | 73560858.5317868 | 0.999999999998597 | 70438438.87323892 | 0.9999999999999846 | 58331617.98907298 | 1.000000000000051 [sogebkgdes&$ ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Septembre 19 | Septembre 18 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 1946844.3261199999 | 2187024.19377 | 4133868.5198899996 | 0.470949745196977 | 1240102.98747 | 1991821.04416 | 3231924.03163 | 0.38370425026499216 Avoirs à la BRH | 27422144.60682 | 11544052.978629999 | 38966197.58544999 | 0.7037418661824845 | 19727286.39901 | 10355678.63822 | 30082965.03723 | 0.6557627007376419 Avoirs à l'étranger | 4759170.6993 | 0 | 4759170.6993 | 1 | 2148084.07039 | 0 | 2148084.07039 | 1 Avoirs dans les banques locales | 0 | 5592 | 5592 | 0 | 1519.38429 | 6351.16225 | 7870.54654 | 0.1930468592337426 Autres liquidités | 255178.49146 | 115943.90838 | 371122.39983999997 | 0.6875857980278575 | 62954.5414 | 9399.828539999999 | 72354.36994 | 0.8700862360104189 34383338.1237 | 13852613.080779998 | 48235951.20448 | 0.7128155922113667 | 23179947.38256 | 12363250.673169997 | 35543198.05573 | 0.6521626823285562 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 1294000 | 1294000 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 16136948.831619998 | 2900240.8666800004 | 19037189.6983 | 0.847653938809099 | 13298471.65452 | 2770851.68451 | 16069323.33903 | 0.8275688636011193 Portefeuille net | 16445679.895309998 | 15666163.019919999 | 32111842.91523 | 0.5121375294069511 | 12453844.4897 | 15808029.173680002 | 28261873.663380004 | 0.44065884088346646 Immobilisations | 0 | 2927240.25415 | 2927240.25415 | 0 | 0 | 2999691.31537 | 2999691.31537 | 0 Autres actifs | 660583.5768 | 2328571.3582 | 2989154.935 | 0.2209934216073012 | 466153.9095499999 | 2009517.49364 | 2475671.40319 | 0.1882939347077089 67626550.42743 | 37674828.57973 | 105301379.00716001 | 0.6422190389627443 | 49398417.43632999 | 37245340.34037 | 86643757.77669999 | 0.5701324446665919 PASSIF Dépôts À vue | 26893284.605536807 | 9115259.69441 | 36008544.29994681 | 0.7468584228653902 | 18373065.752117433 | 11201676.962790001 | 29574742.714907434 | 0.6212417781357845 Épargne | 19227237.74902215 | 9316945.560649997 | 28544183.309672147 | 0.6735956513601505 | 14266175.075321913 | 9106824.644149998 | 23372999.71947191 | 0.6103698817673303 À terme | 17445006.90145037 | 4279307.348719999 | 21724314.25017037 | 0.803017609695715 | 12617454.318428904 | 5129461.94801999 | 17746916.266448893 | 0.7109660139819671 63565529.256009325 | 22711512.603779994 | 86277041.85978931 | 0.7367606478593812 | 45256695.14586825 | 25437963.55495999 | 70694658.70082824 | 0.6401713506728909 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 2669388.3897400005 | 2045638.2012200002 | 4715026.590960001 | 0.5661449279751571 | 1041432.4019400002 | 1561457.16611 | 2602889.5680500004 | 0.4001062568014391 2669388.3897400005 | 2045638.2012200002 | 4715026.590960001 | 0.5661449279751571 | 1041432.4019400002 | 1561457.16611 | 2602889.5680500004 | 0.4001062568014391 Obligations à terme Banques locales | 0 | 4003233.8392 | 4003233.8392 | 0 | 0 | 1927526.08497 | 1927526.08497 | 0 Banque à l'étranger | 659.73434 | 0 | 659.73434 | 1 | 2195530.95112 | 0 | 2195530.95112 | 1 Autres | 512079.71008999995 | 230843.4636 | 742923.17369 | 0.6892768030731476 | 283452.84681 | 442524.15887 | 725977.00568 | 0.3904432848317263 512739.44443 | 4234077.3028 | 4746816.74723 | 0.10801753506267302 | 2478983.79793 | 2370050.24384 | 4849034.04177 | 0.5112325004476805 Autres passifs | 815986.70291 | 1225640.3628 | 2041627.06571 | 0.39967470877264794 | 636767.4939499999 | 977332.80914 | 1614100.30309 | 0.3945030508519114 67563643.79308933 | 30216868.47059999 | 97780512.26368932 | 0.6909724875534223 | 49413878.83968826 | 30346803.774049994 | 79760682.61373825 | 0.6195267796163149 AVOIR DES ACTIONNAIRES Capital versé | 0 | 1500000 | 1500000 | 0 | 0 | 1500000 | 1500000 | 0 Réserves | 0 | 2480397.4225700004 | 2480397.4225700004 | 0 | 0 | 2453566.88816 | 2453566.88816 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 376690.93492 | 376690.93492 | 0 | 0 | 371816.94492000004 | 371816.94492000004 | 0 BNR | 0 | 3163778.386000003 | 3163778.386000003 | 0 | 0 | 2557691.3298499957 | 2557691.3298499957 | 0 0 | 7520866.743490003 | 7520866.743490003 | 0 | 0 | 6883075.162929996 | 6883075.162929996 | 0 67563643.79308933 | 37737735.21408999 | 105301379.00717932 | 0.6416216428512577 | 49413878.83968826 | 37229878.93697999 | 86643757.77666825 | 0.5703108926445317 *Converties au taux de 93.3162 gdes | *Converties au taux de 69.9774 Gdes [SOGEBKRÉSULT] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2019 | 2018 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 828947.29519 | -0.0242060642412744 | 808881.7437100002 | 0.16325603046042303 | 940936.5663000001 | 0 | 1226521.93098 | 653701.9552099999 | 0.05830331538132901 | 691814.94647 | 0.08307793175511048 | 749289.50138 | 0.03372669463999841 | 774560.55959 Intérêts sur bons B.R.H. | 29392.38823 | -0.9002121652364959 | 2933.002780000001 | 0.7059308753877125 | 5003.499999999996 | 0 | 3298 | 33174.40934 | -0.16175286785075887 | 27808.353489999998 | -0.487114599031228 | 14262.498529999999 | 0.3723151521334464 | 19572.642840000004 Autres | 95290.8431 | 0.09568080440249566 | 104408.34762 | 0.02697998315472247 | 107225.28308000001 | 0 | 116425.14466999998 | 86653.9411 | 0.02661437438071706 | 88960.18153 | 0.051482079973673635 | 93540.03670999999 | 0.029347893122074697 | 96285.23971000001 953630.5265200001 | -0.03922633700339642 | 916223.0941100002 | 0.14946387637502487 | 1053165.34938 | 0 | 1346245.07565 | 773530.30565 | 0.04531584035423748 | 808583.4814899999 | 0.05999201843774004 | 857092.03662 | 0.03888311184341979 | 890418.4421399999 Dépenses d'intérêt | 189771.68027 | 0.04423668794024529 | 198166.55087 | 0.09449758956689243 | 216892.81225999998 | 0 | 350951.02283000003 | 168655.61815999998 | -0.0038585251241533124 | 168004.85622000002 | 0.09903122019409433 | 184642.58213 | 0.22570490213713768 | 226317.31806000005 763858.8462500001 | -0.05996173669370516 | 718056.5432400001 | 0.16463326599126588 | 836272.53712 | 0 | 995294.05282 | 604874.68749 | 0.05902699934123163 | 640578.62527 | 0.049753188699617805 | 672449.45449 | -0.012414807320100692 | 664101.1240799999 AUTRES REVENUS Commissions | 307219.07948 | 0.01382479915371445 | 311466.32155000005 | 0.33627456852726295 | 416204.52444000007 | 0 | 391870.30324000004 | 292623.50749999995 | -0.009602897060482663 | 289813.4740800001 | 0.1817753620918878 | 342494.42327 | 0.12997978958304207 | 387011.77634 Gains sur change | 135332.84040000002 | 0.18085741389641277 | 159808.78793 | -0.24873155572277567 | 120059.29948999996 | 0 | 119235.07993 | 136884.1594 | -0.14746208924741358 | 116698.93527000002 | 0.09676424231183978 | 127991.21932 | -0.001959044232347742 | 127740.47886 Autres | 114177.7948664 | 0.4559598447711856 | 166238.28449000002 | -0.09300364545147884 | 150777.51801883 | 0 | 123512.40661899731 | 100230.396370342 | -0.295509186739884 | 70611.39345232601 | 0.2745249266432009 | 89995.98106 | 1.9866023465592233 | 268782.20821469545 556729.7147464 | 0.14510394736231824 | 637513.3939700001 | 0.07768926652725454 | 687041.34194883 | 0 | 634617.7897889974 | 529738.063270342 | -0.09932127614768951 | 477123.8028023261 | 0.1747089966127919 | 560481.6236500001 | 0.39796637454787204 | 783534.4634146955 PRODUIT NET BANCAIRE | 1320588.5609964002 | 0.02648923157959664 | 1355569.9372100001 | 0.12374421802542795 | 1523313.87906883 | 0 | 1629911.8426089974 | 1134612.750760342 | -0.014904047814272934 | 1117702.4280723261 | 0.1030942111008974 | 1232931.07814 | 0.1741415340739066 | 1447635.5874946953 Dotation à la provision pour créances douteuses | 118748.43185 | 0.06127677651517556 | 126024.95297 | 0.3349718986211339 | 168239.77074 | 0 | 140826.91974999997 | 89499.93472 | -0.030196120236902255 | 86797.38392999998 | 0.3496093722648681 | 117142.56284000003 | 0.07726143342417542 | 126193.16515999998 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1201840.1291464001 | 0.023052030317274565 | 1229544.9842400001 | 0.10209396622151344 | 1355074.10832883 | 0 | 1489084.9228589975 | 1045112.816040342 | -0.013594486336743419 | 1030905.0441423261 | 0.08233878730149566 | 1115788.5153 | 0.18431262216335087 | 1321442.4223346952 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 392269.96568 | 0.12153939116229107 | 439946.21848000004 | 0.2288487723064196 | 540627.3704599999 | 0 | 528064.99905 | 332283.23518 | 0.12931889063473995 | 375253.73453 | 0.08092602504818565 | 405621.52765 | 0.03183389696994085 | 418534.0415700001 Frais de locaux | 39543.819939999994 | 0.07226439211831027 | 42401.43005000001 | 0.05777331795440203 | 44851.10135 | 0 | 48447.77592 | 34754.67427999999 | 0.016932931819725418 | 35343.17281 | 0.01279499247085299 | 35795.38844 | 0.06439391665950582 | 38100.3937 Amortissement | 67133.10882 | -0.016428632747474043 | 66030.20363 | 0.030580981262983163 | 68049.47205 | 0 | 69888.46157 | 65361.71642 | -0.03148865425709996 | 63303.563930000004 | 0.030737084758001805 | 65249.33094 | -0.028721137872253156 | 63375.295909999986 Autres dépenses d'exploitation | 371237.04628999997 | 0.05492501773131697 | 391627.24763999996 | 0.06008563217141321 | 415158.41838999995 | 0 | 472339.2657800001 | 352626.70616 | -0.06948952666359219 | 328122.84326 | 0.0425453850189217 | 342082.95596 | 0.25636376303487796 | 429780.62982000003 870183.94073 | 0.08023724157840324 | 940005.0998 | 0.13689421735837248 | 1068686.3622499998 | 0 | 1118740.5023200002 | 785026.33204 | 0.021651480716361526 | 802023.3145300001 | 0.05826001266232782 | 848749.20299 | 0.1190471315366768 | 949790.3610000001 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 331656.1884164001 | -0.1269878429752747 | 289539.88444000017 | -0.01088671554617256 | 286387.7460788302 | 0 | 370344.4205389973 | 260086.48400034197 | -0.11997837760756119 | 228881.72961232602 | 0.1667131000901836 | 267039.31231000007 | 0.3917503685871254 | 371652.0613346951 Impôts sur le revenu | 82000 | -0.2682926829268293 | 60000 | 0.08833333333333333 | 65300 | 0 | -4500 | 56170 | -0.15737938401281823 | 47330 | 0.47897739277413903 | 70000 | -0.39571428571428574 | 42300 BÉNÉFICE NET (PERTE NETTE) | 249656.1884164001 | -0.08057602779246183 | 229539.88444000017 | -0.036822090338636884 | 221087.7460788302 | 0 | 374844.4205389973 | 203916.48400034197 | -0.10967604947512946 | 181551.72961232602 | 0.08530672073874067 | 197039.31231000007 | 0.6715043179633546 | 329352.0613346951 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 (oct.18 - sept. 19) | 2018 (oct.17 - sept. 18) | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 828947.29519 | 0.26808140710502076 | 653701.9552099999 | 808881.7437100002 | 0.1692169240305315 | 691814.94647 | 940936.5663000001 | 0.2557717204992664 | 749289.50138 | 1226521.93098 | 0.5835068230549175 | 774560.55959 | 3805287.53618 | 0.32617667440682857 | 2869366.96265 | 2869366.96265 Intérêts sur Bons B.R.H. | 29392.38823 | -0.11400417325410618 | 33174.40934 | 2933.002780000001 | -0.8945279956594797 | 27808.353489999998 | 5003.499999999996 | -0.6491848893463131 | 14262.498529999999 | 3298 | -0.8314995053575505 | 19572.642840000004 | 40626.89101 | -0.5715272199614806 | 94817.90419999999 | 94817.90419999999 Autres | 95290.8431 | 0.09967119660527479 | 86653.9411 | 104408.34762 | 0.1736525918035635 | 88960.18153 | 107225.28308000001 | 0.14630362410940756 | 93540.03670999999 | 116425.14466999998 | 0.20916918336246584 | 96285.23971000001 | 423349.61847 | 0.15846736714909224 | 365439.39905 | 365439.39905 953630.5265200001 | 0.23282891381826507 | 773530.30565 | 916223.0941100002 | 0.13312121145691683 | 808583.4814899999 | 1053165.34938 | 0.22876576188156908 | 857092.03662 | 1346245.07565 | 0.5119240706812884 | 890418.4421399999 | 4269264.045659999 | 0.2822059501978113 | 3329624.2659 | 3329624.2659 Dépenses d'intérêt | 189771.68027 | 0.12520224550105216 | 168655.61815999998 | 198166.55087 | 0.17952870725655495 | 168004.85622000002 | 216892.81225999998 | 0.1746630152046606 | 184642.58213 | 350951.02283000003 | 0.550703348017573 | 226317.31806000005 | 955782.0662300001 | 0.2784323417880711 | 747620.3745700001 | 747620.3745700001 763858.8462500001 | 0.26283817466345605 | 604874.68749 | 718056.5432400001 | 0.12094989578733402 | 640578.62527 | 836272.53712 | 0.24362140758110493 | 672449.45449 | 995294.05282 | 0.49870858026149567 | 664101.1240799999 | 3313481.9794299994 | 0.2832986001904173 | 2582003.89133 | 2582003.89133 AUTRES REVENUS Commissions | 307219.07948 | 0.04987833036619612 | 292623.50749999995 | 311466.32155000005 | 0.07471304617128646 | 289813.4740800001 | 416204.52444000007 | 0.2152154784485114 | 342494.42327 | 391870.30324000004 | 0.012553951060475514 | 387011.77634 | 1426760.2287100002 | 0.08751678362766846 | 1311943.18119 | 1311943.18119 Gains sur change | 135332.84040000002 | -0.011333079056041516 | 136884.1594 | 159808.78793 | 0.3694108481817682 | 116698.93527000002 | 120059.29948999996 | -0.06197237491869565 | 127991.21932 | 119235.07993 | -0.06658342763315984 | 127740.47886 | 534436.0077499999 | 0.04932355245255623 | 509314.7928500001 | 509314.7928500001 Autres | 114177.7948664 | 0.13915338062241775 | 100230.396370342 | 166238.28449000002 | 1.3542699890526515 | 70611.39345232601 | 150777.51801883 | 0.675380569697964 | 89995.98106 | 123512.40661899731 | -0.5404740237853125 | 268782.20821469545 | 554706.0039942273 | 0.04736608490415729 | 529619.9790973635 | 529619.9790973635 556729.7147464 | 0.050952826212684994 | 529738.063270342 | 637513.3939700001 | 0.33615927401996315 | 477123.8028023261 | 687041.34194883 | 0.22580529487236464 | 560481.6236500001 | 634617.7897889974 | -0.19005759233194322 | 783534.4634146955 | 2515902.240454227 | 0.070196875638155 | 2350877.9531373633 | 2350877.9531373633 PRODUIT NET BANCAIRE | 1320588.5609964002 | 0.16391126409555118 | 1134612.750760342 | 1355569.9372100001 | 0.2128182807546712 | 1117702.4280723261 | 1523313.87906883 | 0.2355223305481937 | 1232931.07814 | 1629911.8426089974 | 0.12591307970658047 | 1447635.5874946953 | 5829384.219884226 | 0.18174008696810054 | 4932881.844467363 | 4932881.844467363 Dotation à la provision pour créances douteuses | 118748.43185 | 0.3267990889770337 | 89499.93472 | 126024.95297 | 0.4519441400634392 | 86797.38392999998 | 168239.77074 | 0.43619677307036087 | 117142.56284000003 | 140826.91974999997 | 0.11596313137439654 | 126193.16515999998 | 553840.07531 | 0.3198199706419619 | 419633.04665 | 419633.04665 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1201840.1291464001 | 0.14996210045519948 | 1045112.816040342 | 1229544.9842400001 | 0.19268500161713237 | 1030905.0441423261 | 1355074.10832883 | 0.21445425342498134 | 1115788.5153 | 1489084.9228589975 | 0.12686326524020258 | 1321442.4223346952 | 5275544.144574226 | 0.16890168942725106 | 4513248.797817363 | 4513248.797817363 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 392269.96568 | 0.18052891072733415 | 332283.23518 | 439946.21848000004 | 0.17239664258378787 | 375253.73453 | 540627.3704599999 | 0.33283697636110876 | 405621.52765 | 528064.99905 | 0.2617014307106982 | 418534.0415700001 | 1900908.55367 | 0.24105099774000616 | 1531692.5389300003 | 1531692.5389300003 Frais de locaux | 39543.819939999994 | 0.13779860577648903 | 34754.67427999999 | 42401.43005000001 | 0.19970638397249244 | 35343.17281 | 44851.10135 | 0.25298546278326106 | 35795.38844 | 48447.77592 | 0.2715820288229725 | 38100.3937 | 175244.12726 | 0.2170269490192777 | 143993.62923000002 | 143993.62923000002 Amortissement | 67133.10882 | 0.027101375193659533 | 65361.71642 | 66030.20363 | 0.04307245170295738 | 63303.563930000004 | 68049.47205 | 0.04291448003619938 | 65249.33094 | 69888.46157 | 0.10277136487456308 | 63375.295909999986 | 271101.24607 | 0.05368006471883872 | 257289.9072 | 257289.9072 Autres dépenses d'exploitation | 371237.04628999997 | 0.05277632069522198 | 352626.70616 | 391627.24763999996 | 0.1935385045096661 | 328122.84326 | 415158.41838999995 | 0.2136191270474894 | 342082.95596 | 472339.2657800001 | 0.09902409044778118 | 429780.62982000003 | 1650361.9781 | 0.1361331782758342 | 1452613.1352 | 1452613.1352 870183.94073 | 0.10847739141272643 | 785026.33204 | 940005.0998 | 0.1720421124551219 | 802023.3145300001 | 1068686.3622499998 | 0.2591309169837195 | 848749.20299 | 1118740.5023200002 | 0.1778815076014443 | 949790.3610000001 | 3997615.9051 | 0.18077405629455146 | 3385589.2105600005 | 3385589.2105600005 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 331656.1884164001 | 0.27517656171615607 | 260086.48400034197 | 289539.88444000017 | 0.26501964543179296 | 228881.72961232602 | 286387.7460788302 | 0.07245537595741325 | 267039.31231000007 | 370344.4205389973 | -0.003518454306433129 | 371652.0613346951 | 1277928.2394742258 | 0.13325710517155162 | 1127659.587257363 | 1127659.587257363 Impôts sur le revenu | 82000 | 0.45985401459854014 | 56170 | 60000 | 0.26769490809211915 | 47330 | 65300 | -0.06714285714285714 | 70000 | -4500 | -1.1063829787234043 | 42300 | 202800 | -0.060240963855421686 | 215800 | 215800 BÉNÉFICE NET (PERTE NETTE) | 249656.1884164001 | 0.224306066477595 | 203916.48400034197 | 229539.88444000017 | 0.2643222123531679 | 181551.72961232602 | 221087.7460788302 | 0.122048912406855 | 197039.31231000007 | 374844.4205389973 | 0.13812683916397844 | 329352.0613346951 | 1075128.2394742258 | 0.17905021178527347 | 911859.5872573629 | 911859.5872573629 0.7079645385431568 | 0.7723133640308399 | 0.7698547043333507 | 0.844369442751888 Com /sal [SOGEBKVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE (SOGEBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2019 | Var. | 2018 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 3805287.53618 | 0.32617667440682857 | 2869366.96265 | 2869366.96265 | 0.17065347138699455 | 2451081.41118 | 0.0011042073350845337 | 2448377.8943499997 | 0.45712442027870864 | 1680280.59943 Intérêts sur Bons B.R.H. | 40626.89101 | -0.5715272199614806 | 94817.90419999999 | 94817.90419999999 | 0.8977565115479093 | 49963.15577 | -0.18458462790966304 | 61273.25714 | -0.06592307742003425 | 65597.65653000001 Autres | 423349.61847 | 0.15846736714909224 | 365439.39905 | 365439.39905 | -0.1651526210861345 | 437731.98344999994 | 0.06512896039983108 | 410966.18318 | 0.4142641640400159 | 290586.57755 4269264.045659999 | 0.2822059501978113 | 3329624.2659 | 3329624.2659 | 0.1329967450049243 | 2938776.5504 | 0.006217594997617891 | 2920617.33467 | 0.43416045620394855 | 2036464.83351 Dépenses d'intérêt | 955782.0662300001 | 0.2784323417880711 | 747620.3745700001 | 747620.3745700001 | -0.019545323496008293 | 762524.1558699999 | -0.0018528188152264788 | 763939.59753 | 1.3436628544407054 | 325959.68148 3313481.9794299994 | 0.2832986001904173 | 2582003.89133 | 2582003.89133 | 0.18644505472796 | 2176252.39453 | 0.009076301504349241 | 2156677.73714 | 0.2608425847653773 | 1710505.15203 AUTRES REVENUS Commissions | 1426760.2287100002 | 0.08751678362766846 | 1311943.18119 | 1311943.18119 | 0.04575691550724675 | 1254539.33102 | 0.05552725459211093 | 1188542.81172 | 0.22285444804529386 | 971941.35706 Gains sur change | 534436.0077499999 | 0.04932355245255623 | 509314.7928500001 | 509314.7928500001 | 0.18106320575423043 | 431234.15442000004 | 0.21610278368204527 | 354603.37745 | 0.44940821583445467 | 244653.90328 Autres | 554706.0039942273 | 0.04736608490415729 | 529619.9790973635 | 529619.9790973635 | 0.33663324745931683 | 396234.32987625396 | -0.2386470826078291 | 520434.506553752 | 0.2984550185355447 | 400810.57805199997 2515902.240454227 | 0.070196875638155 | 2350877.9531373633 | 2350877.9531373633 | 0.1291398311971603 | 2082007.8153162538 | 0.008929682096119293 | 2063580.695723752 | 0.27585831999675003 | 1617405.838392 PRODUIT NET BANCAIRE | 5829384.219884226 | 0.18174008696810054 | 4932881.844467363 | 4932881.844467363 | 0.15842658770856707 | 4258260.209846254 | 0.009004608980004112 | 4220258.432863751 | 0.2681404175201801 | 3327910.990422 Dotation à la provision pour créances douteuses | 553840.07531 | 0.3198199706419619 | 419633.04665 | 419633.04665 | 0.45010839265039904 | 289380.46892 | -0.030523005411041724 | 298491.32113 | -0.39781363444081935 | 495679.30827 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 5275544.144574226 | 0.16890168942725106 | 4513248.797817363 | 4513248.797817363 | 0.13715937302853737 | 3968879.7409262545 | 0.012013112418517737 | 3921767.1117337514 | 0.38469149132386476 | 2832231.6821520003 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1900908.55367 | 0.24105099774000616 | 1531692.5389300003 | 1531692.5389300003 | 0.3225049604488212 | 1158175.26946 | 0.05559616422266742 | 1097176.46645 | 0.1397373002723781 | 962657.33006 Frais de locaux | 175244.12726 | 0.2170269490192777 | 143993.62923000002 | 143993.62923000002 | -0.015811706946841357 | 146306.99251999997 | 0.21430326544108677 | 120486.36999 | 0.3559060606560923 | 88860.41111999999 Amortissement | 271101.24607 | 0.05368006471883872 | 257289.9072 | 257289.9072 | 0.11483507777369231 | 230787.41629999998 | 0.07618401674515772 | 214449.77133000002 | 0.10079185834990177 | 194814.09651 Autres dépenses d'exploitation | 1650361.9781 | 0.1361331782758342 | 1452613.1352 | 1452613.1352 | -0.026713941138198975 | 1492483.2447499996 | 0.2465602589965761 | 1197281.26577 | 0.3503842738424456 | 886622.63695 3997615.9051 | 0.18077405629455146 | 3385589.2105600005 | 3385589.2105600005 | 0.11818543210979696 | 3027752.9230299992 | 0.15150223536258617 | 2629393.87354 | 0.23274730183061665 | 2132954.4746399997 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 1277928.2394742258 | 0.13325710517155162 | 1127659.587257363 | 1127659.587257363 | 0.19820152376283678 | 941126.8178962553 | -0.271784040335287 | 1292373.2381937513 | 0.8481558161919247 | 699277.2075120006 Impôts sur le revenu | 202800 | -0.060240963855421686 | 215800 | 215800 | 0.13578947368421052 | 190000 | -0.3453919035314384 | 290250 | 0.988013698630137 | 146000 BÉNÉFICE NET (PERTE NETTE) | 1075128.2394742258 | 0.17905021178527347 | 911859.5872573629 | 911859.5872573629 | 0.21398885718297947 | 751126.8178962553 | -0.2504646242411237 | 1002123.2381937513 | 0.8112498121875286 | 553277.2075120006 [sgbelinfin] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) INDICATEURS FINANCIERS Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 7507164.022060001 | 0.029544818152132946 | 7728961.817929999 | 0.06836756853348264 | 8257372.144709999 | 0.012819719708020814 | 8363229.34113 | 0.13138244450413766 | 7392044.46892 | 0.03777762245901787 | 7122956.1217600005 | -0.15570448173680843 | 8436567.490507 | 0.2009810935594248 | 7024729.644580001 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Prêts nets | 4456461.4543200005 | 0.0087822451716843 | 4495599.1914099995 | 0.041883375679882234 | 4683890.061249999 | -0.00043869059758661684 | 4681835.28272 | 0.12771076686685454 | 4151627.7225300004 | 0.03528775860892138 | 4010119.59043 | -0.020929735382602614 | 4095844.532667 | 0.14723143888275567 | 3570198.99721 Dépôts | 4470193.40501 | 0.030157832777192382 | 4605004.7502 | 0.1145258186926072 | 5132396.6893 | 0.02838693131295572 | 5278089.68159 | 0.2082228207146652 | 4368473.75426 | 0.07808050833675599 | 4052084.90505 | -0.3243838281356339 | 5997613.84318 | 0.15128082793760125 | 5209514.218979999 Avoir des Actionnaires | 749143.03686 | -0.1185277041246715 | 660348.83264 | 0.0021586729157997858 | 661774.30978 | 0.07081860652097546 | 708640.24423 | 0.027132082479363072 | 689921.24413 | 0.018765819633270116 | 677212.7910399999 | 0.06250938031013041 | 637371.11746 | 0.22344714531118098 | 520963.34517000004 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) Résultats Revenus nets d'intérêt | 54788.11177999999 | -0.24570412410083162 | 72634.77572999998 | 81943.10065 | 0.3039877374539709 | 62840.392049999995 | 62271.63991 | -0.1764994824947995 | 75618.21588000003 | 137528.58287000004 | 0.6337716849665729 | 84178.58145999996 | 336531.43521 | 0.1397337877073155 | 295271.96512000007 Autres revenus | 11940.18735 | -0.34381211697707953 | 18196.29356 | 12030.77064 | -0.26319950174899137 | 16328.39645 | 14958.06117 | -0.043607429048338184 | 15640.08507 | 14095.92591 | -0.43318211664431616 | 24868.527130000002 | 53024.94507000001 | -0.29331452157608545 | 75033.30221 Dot. à la prov. pr créances douteuses | -12715.12118 | -5.238373726666667 | 3000 | 2400 | -0.2 | 3000 | 23734.74652 | 6.911582173333334 | 3000 | 19857.97419 | 1.7888968686924793 | -25171.825339999996 | 33277.59953 | 3.057751603814935 | -16171.825339999996 Dépenses d'exploitation | 54536.59191 | 0.09442217263729566 | 49831.40261 | 59100.178439999996 | 0.12236818196539175 | 52656.67665 | 51542.246150000006 | 0.014263763938029812 | 50817.39877 | 65290.60537999999 | 0.5499897367487394 | 42123.25012999999 | 230469.62188 | 0.1793026749440418 | 195428.72816 Bénéfice (perte) net | 18181.984729999996 | -0.34455139820642416 | 27739.756679999988 | 23705.79578 | 0.38114742977717975 | 17163.841649999995 | 1425.4771399999918 | -0.947845583376407 | 27331.858590000033 | 62557.07145000003 | -0.06950450994147181 | 67229.84916999994 | 105870.32910000005 | -0.2408841161422641 | 139465.30609000003 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) | 2018 | 2017 | 2016 | 2015 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Avoir des actionnaires en % de l'actif | 0.09979041814706902 | 0.09908058089890975 | 0.08543823196384444 | 0.08440197395727933 | 0.08014345220034184 | 0.08660192551347733 | 0.08473284843988887 | 0.0933329401670658 | 0.08473284843988887 | 0.0933329401670658 | 0.0933329401670658 | 0.09507468240204019 | 0.07554863019553665 | 0.07416133737929038 Dépôts en % de l'actif | 0.5954570050520034 | 0.5890125450861728 | 0.5958115538256509 | 0.588781219952532 | 0.6215532737722155 | 0.5898965448231558 | 0.6311066534589197 | 0.5909696258764859 | 0.6311066534589197 | 0.5909696258764859 | 0.5909696258764859 | 0.5688768589590548 | 0.7109068765144876 | 0.7415964005105095 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.0870793407188987 | 0.09379878101172621 | 0.13607250261440382 | 0.12836326615299543 | 0.1866063889654444 | 0.0752120762559909 | 0.13875000598534182 | 0.1801192087514468 | 0.13875000598534182 | 0.1801192087514468 | 0.1801192087514468 | 0.10499642810984694 | 0.1040880136032887 | 0.06747514519877892 Provisions pour créances douteuses en % des prêts improductifs bruts | 0.3042875721066296 | 0.32162254959021286 | 0.20358583749420026 | 0.24019755812048352 | 0.17757838990980754 | 0.42732846952077225 | 0.2578694467653901 | 0.16677009117066643 | 0.2578694467653901 | 0.16677009117066643 | 0.16677009117066643 | 0.2747808000280483 | 0.19974725426153223 | 0.3540804752847749 Prêts improductifs nets en % de l'avoir des actionnaires | 0.3701971566637248 | 0.38381957111730586 | 0.7587947516266242 | 0.6908170950072726 | 1.1234480331325625 | 0.28933276931115026 | 0.7055490775340778 | 0.9310848678678446 | 0.7055490775340778 | 0.9310848678678446 | 0.9310848678678446 | 0.4642908493017942 | 0.5466429004007477 | 0.3059915688271339 Rentabilité ROA (rendement de l'actif) | 0.009762658058517615 | 0.01574556231463619 | 0.01244715147614746 | 0.009790490776753523 | 0.0007133478599065058 | 0.015350524753707876 | 0.03011061735800396 | 0.03688294632223593 | 0.013439351213619317 | 0.019216713801520603 | 0.019216713801520603 | 0.015234727755911894 | 0.016960648235968614 | 0.014550658097473202 ROE (rendement avoir des action.) | 0.10107670641365238 | 0.16223165200755651 | 0.13454945739224075 | 0.10676892397818859 | 0.008625381973971434 | 0.17951209025491993 | 0.36518626435745544 | 0.40974677322387293 | 0.15139889090489278 | 0.2040257977670168 | 0.2040257977670168 | 0.20545414462138167 | 0.22638851768650495 | 0.18705952739072113 Revenus nets d'intérêt en % des revenus d'intérêt | 0.5050447122588464 | 0.6064065534310368 | 0.6008746961431273 | 0.552721212780686 | 0.4751031758026804 | 0.5843383968726626 | 0.6649418283571837 | 0.5992556105741755 | 0.5774860997329101 | 0.5866113731458331 | 0.5866113731458331 | 0.5660093949999826 | 0.5260544202341622 | 0.6569155634066655 Rendement moyen des prêts | 0.09267027200390361 | 0.10105336171909882 | 0.113467457669822 | 0.09618720087407989 | 0.10558516433657272 | 0.11140590213442512 | 0.16601373504681544 | 0.12071770683231385 | 0.12245710959012242 | 0.10708452236488684 | 0.10708452236488684 | 0.1023524341294289 | 0.11429602531156825 | 0.09600234926819691 Rendement moyen des prêts productifs | 0.10676748265294683 | 0.11220329916888375 | 0.12773525471302927 | 0.10821966907657928 | 0.12598586761196412 | 0.12404558681778151 | 0.1982610324161049 | 0.1384804088529939 | 0.1454587835706145 | 0.12498660766845193 | 0.12498660766845193 | 0.11562396078370724 | 0.1251884086558649 | 0.10431543954003061 Rémunération moyenne des dépôts | 0.04859881503168597 | 0.04623048225568694 | 0.04798125578668689 | 0.04925635455773916 | 0.05652274262898843 | 0.051260984220338084 | 0.05325354165490393 | 0.05230512788598553 | 0.0510484400102438 | 0.04942189001437359 | 0.04942189001437359 | 0.038323639917577305 | 0.04825146953623522 | 0.02851564938584206 0 Dépenses d'exploitation en % du produit net bancaire | 0.8172933016582945 | 0.5486162719377583 | 0.6289001147735945 | 0.6651191416172803 | 0.6673889116391749 | 0.5568523437428733 | 0.43060720133796815 | 0.3862848880145627 | 0.5916207089570608 | 0.5277503330403409 | 0.5277503330403409 | 0.47447374387287766 | 0.5139899591332413 | 0.5135573005486339 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 3606.935088108108 | 5011.3693401379305 | 5079.668718378378 | 4367.933158620689 | 4174.578436756757 | 4966.438146938777 | 8140.91322308725 | 5894.43830216216 | 12772.340337049181 | 5038.16690244898 | 5038.16690244898 | 5370.043140563378 | 5119.021304857143 | 4320.785065507246 [sgbelvar] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 ACTIF Disponibilités Encaisse | 43873.57762 | 0.3856518501077735 | 60793.504 | -0.29436695769337456 | 42897.90518 | -0.21260444890563307 | 33777.61969 | -0.1810026754001269 | 41242.64961 | 0.04440488835264128 | 39489.13881 | 0.201130378612223 | 32876.646459999996 | 0.15370628745786166 | 28496.54788 Avoirs à la BRH | 1373337.94816 | 0.11424127656284744 | 1530229.82851 | 0.13003669950921995 | 1729215.8649 | -0.42770853697480443 | 989615.4772099999 | -0.23168170019836357 | 1288027.99239 | 0.16820531058525132 | 1102569.8828099999 | 0.0005226305929687544 | 1101993.94706 | 0.21154649750048704 | 909576.27242 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5698.4069 | -0.06681569430360276 | 6106.41099 | 0.1673898643801834 | 5230.82406 Avoirs dans les banques locales | 114547.79957999999 | -0.5090462552209595 | 56237.67116 | 1.0122142822743443 | 113162.24510999999 | -0.09664140720581714 | 102226.08649999999 | -0.9079891725117902 | 1111022.35781 | -0.0906023452347053 | 1221712.3631099998 | 2.4288197441241546 | 356306.96691 | -0.8048509710772364 | 1825819.8305000002 Autres liquidités | 18128.01823 | -0.021655806774858975 | 17735.44137 | 0.5331391981027421 | 27190.90036 | -0.7879516222830953 | 5765.78631 | -0.7439558973683807 | 22518.72334 | -0.7417042275303617 | 87181.92762 | 1.8754913228842294 | 30318.967380000002 | -0.21051644873172287 | 38403.54537 1549887.3435899997 | 0.07426933443005804 | 1664996.4450399997 | 0.1486312305634113 | 1912466.91555 | -0.4084159257810592 | 1131384.96971 | -0.5406124800060114 | 2462811.72315 | 0.0025074795306680685 | 2456651.71925 | 0.6081742557917631 | 1527602.9388 | -0.4558902095001549 | 2807527.0202300004 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 818296.44007 | 0.04009419795006484 | 851105.37952 | 0.08849866451611366 | 926427.06897 | 0.0387339064583851 | 962311.2083999999 | 6.8177444416081885 | 123093.20361999999 | -0.30085585111200425 | 176062.69582 | -0.9255675648337099 | 2365402.87076 | 7.532526815194561 | 277221.85021999996 Portefeuille net | 4456461.4543200005 | 0.0087822451716843 | 4495599.1914099995 | 0.041883375679882234 | 4683890.061249999 | -0.00043869059758661684 | 4681835.28272 | 0.12771076686685454 | 4151627.7225300004 | 0.03528775860892138 | 4010119.59043 | -0.020929735382602614 | 4095844.532667 | 0.14723143888275567 | 3570198.99721 Immobilisations | 531664.78536 | 0.02076315248625172 | 542703.82237 | 0.02182929871078598 | 554550.66622 | 0.06010413538440713 | 587881.4545400001 | 0.14268995471509768 | 514471.53456999996 | 0.5410942751642354 | 333835.21233 | 0.15737832666350737 | 288440.87075 | 0.34778022458881974 | 214011.79917 Autres actifs | 150853.99872000003 | 0.15712530705927824 | 174556.97959 | 0.031396356323720113 | 180037.43271999998 | 4.553380820059496 | 999816.4257599998 | 6.139491507054738 | 140040.28505 | -0.04270114898999486 | 146286.90393 | -0.08155246846193613 | 159276.2775299999 | 0.022509470891928108 | 155769.97775 7507164.022060001 | 0.029544818152132946 | 7728961.817929999 | 0.06836756853348264 | 8257372.144709999 | 0.012819719708020814 | 8363229.34113 | 0.13138244450413766 | 7392044.46892 | 0.03777762245901787 | 7122956.1217600005 | -0.15570448173680843 | 8436567.490507 | 0.2009810935594248 | 7024729.644580001 PASSIF Dépôts À vue | 1856295.49885 | -0.017902922503765517 | 1823062.3843899998 | 0.13731519615756999 | 2073396.5533099999 | -0.004775521418800937 | 2063495.00366 | 0.19217511241185253 | 1730865.69429 | 0.07559112427065555 | 1609222.7383 | 0.10885949286977516 | 1451241.3418 | 0.11771078889085147 | 1298405.05811 Épargne | 744706.2467700001 | 0.0007321459197699847 | 745251.48041 | 0.031239430369453054 | 768532.71214 | 0.005173458419133341 | 772508.68417 | 0.1744895118875346 | 657739.9596599999 | 0.019719217929996473 | 645020.65676 | 0.03042778963479767 | 625973.66186 | 0.23126700896370486 | 508397.9813500001 À terme | 1869191.6593899997 | 0.08961051434643293 | 2036690.8854 | 0.12460238334113177 | 2290467.42385 | 0.06619547099043545 | 2442085.99376 | 0.23345893263173823 | 1979868.1003100001 | 0.10124729533083963 | 1797841.50999 | -0.5414136205054786 | 3920398.83952 | 0.152139759353019 | 3402711.17952 4470193.40501 | 0.030157832777192382 | 4605004.7502 | 0.1145258186926072 | 5132396.6893 | 0.02838693131295572 | 5278089.68159 | 0.2082228207146652 | 4368473.75426 | 0.07808050833675599 | 4052084.90505 | -0.3243838281356339 | 5997613.84318 | 0.15128082793760125 | 5209514.218979999 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 135087.39135 | 0.30890838673375565 | 176817.01948 | -0.20667684857188487 | 140273.03512000002 | 0.1463069501735894 | 160795.95508 | -0.14793277069386485 | 188712.75592999998 | 1.839171778250291 | 66467.53725000001 | -0.3657317314324818 | 104794.04464 | -0.08468030294866606 | 114489.00857000002 135087.39135 | 0.30890838673375565 | 176817.01948 | -0.20667684857188487 | 140273.03512000002 | 0.1463069501735894 | 160795.95508 | -0.14793277069386485 | 188712.75592999998 | 1.839171778250291 | 66467.53725000001 | -0.3657317314324818 | 104794.04464 | -0.08468030294866606 | 114489.00857000002 Obligations à terme Banques locales | 1909101.16527 | 0.05979488076204455 | 2023255.64181 | 0.006826917397172482 | 2037068.24095 | -0.044828391668122504 | 1945749.74799 | 0.00948284116691555 | 1927471.8386900001 | -0.0730306824780447 | 2079326.46988 | 0.4385375779393715 | 1445444.6667 | 0.39656489533533196 | 1035000.00002 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 79292.39699000001 | 0.11057676905776677 | 88060.29406 | 0.12055721029919078 | 98676.59745 | 0.03382999977975017 | 102014.82672 | 0.20411510280686063 | 84721.82308999999 | -0.014002638266867477 | 85924.99978 | -0.03238296490512933 | 88800.62738 | 0.20498616719034446 | 73694.31268 1988393.56226 | 0.061819941455798645 | 2111315.93587 | 0.011570462816562462 | 2135744.8384 | -0.04119418298859633 | 2047764.57471 | 0.0176776786477568 | 2012193.6617800002 | -0.07068823645875819 | 2165251.46966 | 0.41128115433352447 | 1534245.29408 | 0.38383076065724253 | 1108694.3127000001 Autres passifs | 164346.62674 | 0.06771451815439929 | 175475.27938000002 | 0.06672160677770324 | 187183.27197 | -0.10281039719769573 | 167938.88543 | 0.26514256126511787 | 132743.0525 | -0.18029190569724485 | 161939.41895000002 | -0.003714538412939017 | 162543.19188 | 1.2871257698728693 | 71068.75976 6758020.98536 | 0.045959016736236834 | 7068612.98493 | 0.07455279430116064 | 7595597.83479 | 0.007766506771830848 | 7654589.09681 | 0.1421140495988597 | 6702123.224470001 | 0.03977507021270196 | 6445743.33091 | -0.17353750027633016 | 7799196.37378 | 0.19918152252303545 | 6503766.300009999 AVOIR DES ACTIONNAIRES Capital versé | 250000 | 0 | 250000 | 0 | 250000 | 0 | 250000 | 0 | 250000 | 0.25 | 200000 | 0 | 200000 | 0.3333333333333333 | 150000 Réserves | 302262.08444 | -0.039501764477410314 | 290322.19877 | 0.0533054309507356 | 305797.94869 | -0.0008672568313035723 | 305532.74332999997 | 0.3433375091996941 | 227443.0225 | -0.15806277379288797 | 270142.4945 | 0.21097240886258126 | 223078.9839 | 0.3397381893565759 | 166509.38644 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 196880.95242 | -0.3903593395162427 | 120026.63386999999 | -0.11705962524299204 | 105976.36108999998 | 0.4447325736158662 | 153107.5009 | -0.27942026375477436 | 212478.22163000001 | 0.02611637294369441 | 207070.29653999998 | -0.03370089652860707 | 214292.13356 | 0.04811926798146362 | 204453.95873 749143.03686 | -0.1185277041246715 | 660348.83264 | 0.0021586729157997858 | 661774.30978 | 0.07081860652097546 | 708640.24423 | 0.027132082479363072 | 689921.24413 | 0.018765819633270116 | 677212.7910399999 | 0.06250938031013041 | 637371.11746 | 0.22344714531118098 | 520963.34517000004 7507164.022220001 | 0.02954481808223631 | 7728961.81757 | 0.0683675685651314 | 8257372.14457 | 0.01281971971429335 | 8363229.34104 | 0.1313824445409396 | 7392044.468600001 | 0.037777622386411004 | 7122956.12195 | -0.15570448178764312 | 8436567.49124 | 0.20098109356119212 | 7024729.645179999 Hors-bilan Effets à l'encaissement | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Crédit documentaire | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 382897.31029000005 | 477277.803385 | 482992.97388999996 | 573018.68422 | 607470.4712700001 | 491899.44221999997 | 597211.68542 | 629790.19576 Portefeuille brut | 4577759.0743 | 0.010032745311530403 | 4623686.5651899995 | 0.047739901536973973 | 4844420.9065499995 | 0.0023002739842306885 | 4855564.40193 | 0.13442506424790862 | 4280198.45026 | 0.0365552299043468 | 4129252.66959 | -0.012804288030560003 | 4182810.581047 | 0.14359911458064503 | 3657584.66207 Provisions pour créances douteuses | 121297.61998 | 0.05597598535832369 | 128087.37378 | 0.2532917223810372 | 160530.8452999999 | 0.08221643563475407 | 173729.11921 | 0.3512338483051379 | 128570.72773 | 0.07921937917280644 | 119133.07916 | 0.3698803312235768 | 86966.04838 | -0.0048018914849736714 | 87385.66485999999 Portefeuille de crédit improductif | 398628.24216 | 0.578304133246714 | 629156.6022300001 | 0.4368440048087197 | 903999.892 | -0.25474593991433786 | 673709.5898300001 | -0.12612604982335193 | 770945.95816 | 0.7781891365124947 | 433556.78107 | -0.004188666745067426 | 435380.44466000004 | 0.7641304786304222 | 246796.05615 Im/ Av | 0.7096972930409251 | 0.1121468528786359 | 0.821844145919561 | 0.8379755122321908 | 0.8295908386896443 | 0.7456960326229054 Liq / Ac | 0.20645443992373344 | 0.21542303924667666 | 0.2316072089321059 | 0.13528087339969236 Liq \ De | 0.3467159478721777 | 0.3615623729742488 | 0.37262648063371706 | 0.2143550106123198 [sgbelcomp ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 18 | Comp. | Mars 19 | Comp. | Juin 19 | Comp. | Sept. 19 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. | 2015 | Comp. ACTIF Disponibilités Encaisse | 43873.57762 | 0.005844227925628949 | 60793.504 | 0.00786567529146909 | 42897.90518 | 0.005195103772509769 | 33777.61969 | 0.0040388249935803065 | 41242.64961 | 0.0055793292076915324 | 39489.13881 | 0.005543925602653114 | 32876.646459999996 | 0.003896922118740054 | 28496.54788 | 0.0040566042142257805 Avoirs à la BRH | 1373337.94816 | 0.18293698447568346 | 1530229.82851 | 0.19798646500751274 | 1729215.8649 | 0.20941479136407876 | 989615.4772099999 | 0.11832934825105344 | 1288027.99239 | 0.1742451628646905 | 1102569.8828099999 | 0.15479105359665862 | 1101993.94706 | 0.1306211262222446 | 909576.27242 | 0.12948203253940066 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5698.4069 | 0.000800005896792186 | 6106.41099 | 0.000723802778425119 | 5230.82406 | 0.0007446299465824843 Avoirs dans les banques locales | 114547.79957999999 | 0.015258465013339023 | 56237.67116 | 0.007276225770651018 | 113162.24510999999 | 0.013704389620188818 | 102226.08649999999 | 0.012223279110290152 | 1111022.35781 | 0.15029973946738495 | 1221712.3631099998 | 0.17151760339752434 | 356306.96691 | 0.04223364150300747 | 1825819.8305000002 | 0.2599131814145658 Autres liquidités | 18128.01823 | 0.0024147625090820365 | 17735.44137 | 0.0022946731770438445 | 27190.90036 | 0.0032929241753285364 | 5765.78631 | 0.0006894210447684501 | 22518.72334 | 0.003046345761944537 | 87181.92762 | 0.012239571061467995 | 30318.967380000002 | 0.003593756277551923 | 38403.54537 | 0.005466907242420444 1549887.3435899997 | 0.20645443992373344 | 1664996.4450399997 | 0.21542303924667666 | 1912466.91555 | 0.2316072089321059 | 1131384.96971 | 0.13528087339969236 | 2462811.72315 | 0.3331705773017115 | 2456651.71925 | 0.34489215955509633 | 1527602.9388 | 0.18106924889996914 | 2807527.0202300004 | 0.39966335535719516 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 818296.44007 | 0.10900207290867951 | 851105.37952 | 0.11011897840477965 | 926427.06897 | 0.1121939344302783 | 962311.2083999999 | 0.11506454853119895 | 123093.20361999999 | 0.016652118928335433 | 176062.69582 | 0.02471764430531083 | 2365402.87076 | 0.28037503089041843 | 277221.85021999996 | 0.039463703835761595 Portefeuille net | 4456461.4543200005 | 0.5936278255309955 | 4495599.1914099995 | 0.581656281569525 | 4683890.061249999 | 0.5672373703358744 | 4681835.28272 | 0.5598118970258219 | 4151627.7225300004 | 0.5616345707856064 | 4010119.59043 | 0.5629853001872972 | 4095844.532667 | 0.4854870819531438 | 3570198.99721 | 0.5082329396070954 Immobilisations | 531664.78536 | 0.07082098963039689 | 542703.82237 | 0.07021691077720307 | 554550.66622 | 0.06715825040963755 | 587881.4545400001 | 0.07029359480180994 | 514471.53456999996 | 0.06959800319561198 | 333835.21233 | 0.046867509307008504 | 288440.87075 | 0.034189363277726356 | 214011.79917 | 0.0304654855059259 Autres actifs | 150853.99872000003 | 0.020094672006194556 | 174556.97959 | 0.022584790001815604 | 180037.43271999998 | 0.0218032358921039 | 999816.4257599998 | 0.11954908624147684 | 140040.28505 | 0.01894472978873466 | 146286.90393 | 0.020537386645287124 | 159276.2775299999 | 0.018879274978742346 | 155769.97775 | 0.022174515694021884 7507164.022060001 | 1 | 7728961.817929999 | 1 | 8257372.144709999 | 1 | 8363229.34113 | 1 | 7392044.46892 | 1 | 7122956.1217600005 | 1 | 8436567.490507 | 1 | 7024729.644580001 | 1 PASSIF Dépôts À vue | 1856295.49885 | 0.2472698736027648 | 1823062.3843899998 | 0.23587416102390057 | 2073396.5533099999 | 0.25109641626583346 | 2063495.00366 | 0.24673423620129856 | 1730865.69429 | 0.23415250024096307 | 1609222.7383 | 0.2259206305348375 | 1451241.3418 | 0.17201798520938366 | 1298405.05811 | 0.18483345606215568 Épargne | 744706.2467700001 | 0.0991994106671522 | 745251.48041 | 0.09642323224849313 | 768532.71214 | 0.09307231146562198 | 772508.68417 | 0.09236966399699645 | 657739.9596599999 | 0.08897943761370496 | 645020.65676 | 0.09055519165554299 | 625973.66186 | 0.07419767133545231 | 508397.9813500001 | 0.07237260465137751 À terme | 1869191.6593899997 | 0.2489877207820863 | 2036690.8854 | 0.26351416055325716 | 2290467.42385 | 0.27738454604076 | 2442085.99376 | 0.2920027532606247 | 1979868.1003100001 | 0.267837688021818 | 1797841.50999 | 0.25240103676867437 | 3920398.83952 | 0.4646912199696516 | 3402711.17952 | 0.4843903397969764 4470193.40501 | 0.5954570050520034 | 4605004.7502 | 0.5958115538256509 | 5132396.6893 | 0.6215532737722155 | 5278089.68159 | 0.6311066534589197 | 4368473.75426 | 0.5909696258764859 | 4052084.90505 | 0.5688768589590548 | 5997613.84318 | 0.7109068765144876 | 5209514.218979999 | 0.7415964005105095 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 135087.39135 | 0.017994463815235968 | 176817.01948 | 0.022877201834509232 | 140273.03512000002 | 0.016987612119415556 | 160795.95508 | 0.019226538998424025 | 188712.75592999998 | 0.025529169463664157 | 66467.53725000001 | 0.00933145397975253 | 104794.04464 | 0.012421407729851794 | 114489.00857000002 | 0.016297994992353213 135087.39135 | 0.017994463815235968 | 176817.01948 | 0.022877201834509232 | 140273.03512000002 | 0.016987612119415556 | 160795.95508 | 0.019226538998424025 | 188712.75592999998 | 0.025529169463664157 | 66467.53725000001 | 0.00933145397975253 | 104794.04464 | 0.012421407729851794 | 114489.00857000002 | 0.016297994992353213 Obligations à terme Banques locales | 1909101.16527 | 0.25430391019299103 | 2023255.64181 | 0.2617758619425909 | 2037068.24095 | 0.2466969158287273 | 1945749.74799 | 0.23265531394922856 | 1927471.8386900001 | 0.2607494918075905 | 2079326.46988 | 0.291919033942641 | 1445444.6667 | 0.17133089592733589 | 1035000.00002 | 0.147336631071427 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 79292.39699000001 | 0.010562230525002143 | 88060.29406 | 0.011393547559740003 | 98676.59745 | 0.011950121142743476 | 102014.82672 | 0.012198018559445153 | 84721.82308999999 | 0.011461216642596592 | 85924.99978 | 0.012063109516778678 | 88800.62738 | 0.01052568209522656 | 73694.31268 | 0.010490697351870271 1988393.56226 | 0.2648661407179932 | 2111315.93587 | 0.27316940950233093 | 2135744.8384 | 0.25864703697147073 | 2047764.57471 | 0.24485333250867372 | 2012193.6617800002 | 0.2722107084501871 | 2165251.46966 | 0.30398214345941965 | 1534245.29408 | 0.18185657802256244 | 1108694.3127000001 | 0.15782732842329728 Autres passifs | 164346.62674 | 0.02189197228901128 | 175475.27938000002 | 0.022703602827086614 | 187183.27197 | 0.02266862491960194 | 167938.88543 | 0.02008062658333233 | 132743.0525 | 0.017957555999307206 | 161939.41895000002 | 0.02273486122640703 | 162543.19188 | 0.019266507624445248 | 71068.75976 | 0.010116938779961988 6758020.98536 | 0.9002095818742438 | 7068612.98493 | 0.9145617679895777 | 7595597.83479 | 0.9198565477827038 | 7654589.09681 | 0.9152671515493498 | 6702123.224470001 | 0.9066670597896446 | 6445743.33091 | 0.904925317624634 | 7799196.37378 | 0.9244513698913471 | 6503766.300009999 | 0.9258386627061219 AVOIR DES ACTIONNAIRES Capital versé | 250000 | 0.033301523620020604 | 250000 | 0.032345870750718236 | 250000 | 0.030275975893875626 | 250000 | 0.029892759100902666 | 250000 | 0.033820142864552566 | 200000 | 0.028078229962559743 | 200000 | 0.023706323718152452 | 150000 | 0.021353134937475347 Réserves | 302262.08444 | 0.04026315177766129 | 290322.19877 | 0.037562897269915 | 305797.94869 | 0.03703332529174022 | 305532.74332999997 | 0.03653286677520646 | 227443.0225 | 0.030768622057982573 | 270142.4945 | 0.03792561541615265 | 223078.9839 | 0.026441913035249596 | 166509.38644 | 0.023703315980063654 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 196880.95242 | 0.02622574274938713 | 120026.63386999999 | 0.015529463943211199 | 105976.36108999998 | 0.012834151014725993 | 153107.5009 | 0.018307222563779754 | 212478.22163000001 | 0.028744175244530656 | 207070.29653999998 | 0.029070837023327793 | 214292.13356 | 0.025400393442134607 | 204453.95873 | 0.029104886461751373 749143.03686 | 0.09979041814706902 | 660348.83264 | 0.08543823196384444 | 661774.30978 | 0.08014345220034184 | 708640.24423 | 0.08473284843988887 | 689921.24413 | 0.0933329401670658 | 677212.7910399999 | 0.09507468240204019 | 637371.11746 | 0.07554863019553665 | 520963.34517000004 | 0.07416133737929038 7507164.022220001 | 1.000000000021313 | 7728961.81757 | 0.999999999953422 | 8257372.14457 | 0.9999999999830456 | 8363229.34104 | 0.9999999999892387 | 7392044.468600001 | 0.9999999999567104 | 7122956.12195 | 1.0000000000266742 | 8436567.49124 | 1.0000000000868838 | 7024729.645179999 | 1.0000000000854123 [sgbelgdes&$] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) BILAN DEVISES ET GOURDES (En milliers de gourdes) Septembre 19 | Septembre 18 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties | Gourdes | Total | % devises/total Disponibilités Encaisse | 9186.89126 | 24590.72843 | 33777.61969 | 0.27198160629180795 | 17531.07134 | 23711.57827 | 41242.64961 | 0.42507141286454314 Avoirs à la BRH | 727652.02669 | 261963.45052 | 989615.4772099999 | 0.7352876379232189 | 1120600.10151 | 167427.89088 | 1288027.99239 | 0.8700122265438275 Avoirs à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Avoirs dans les banques locales | 102226.08649999999 | 0 | 102226.08649999999 | 1 | 1171746.66364 | -60724.30583 | 1111022.35781 | 1.0546562410766396 Autres liquidités | 857.9827400000001 | 4907.80357 | 5765.78631 | 0.14880585125257617 | 7092.96595 | 15425.75739 | 22518.72334 | 0.3149808203114591 839922.9871899999 | 291461.98252 | 1131384.9697099999 | 0.7423847847344937 | 2316970.8024399998 | 145840.92071 | 2462811.72315 | 0.9407827568225695 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres Placements | 839845.7999999999 | 122465.40840000001 | 962311.2083999999 | 0 | 0 | 123093.20361999999 | 123093.20361999999 | 0 Portefeuille net | 1984435.97584 | 2697399.30688 | 4681835.28272 | 0.4238585631502834 | 1364489.23719 | 2787138.48534 | 4151627.72253 | 0.3286636780521547 Immobilisations | 0 | 587881.4545400001 | 587881.4545400001 | 0 | 0 | 514471.53456999996 | 514471.53456999996 | 0 Autres actifs | 833303.2071199999 | 166513.21864 | 999816.4257599999 | 0.8334562082099954 | 46081.47615 | 93958.8089 | 140040.28505 | 0.32905871430886524 4497507.9701499995 | 3865721.3709800006 | 8363229.34113 | 0.5377716892243347 | 3727541.5157799996 | 3664502.9531400003 | 7392044.46892 | 0.5042639463889217 PASSIF Dépôts À vue | 1762634.8393199998 | 300860.16434 | 2063495.00366 | 0.8541987434879331 | 1389197.10324 | 341668.59105 | 1730865.69429 | 0.8026024825743905 Épargne | 585956.73054 | 186551.95363 | 772508.68417 | 0.758511512617576 | 454565.4432 | 203174.51646 | 657739.9596599999 | 0.6911020632454423 À terme | 1979743.4825300002 | 462342.51122999995 | 2442085.99376 | 0.8106772192251321 | 1709927.20429 | 269940.89602 | 1979868.1003100001 | 0.8636571315140974 4328335.05239 | 949754.6292 | 5278089.68159 | 0.8200571254950918 | 3553689.7507300004 | 814784.00353 | 4368473.754260001 | 0.8134854300691522 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 70822.32724 | 89973.62784 | 160795.95507999999 | 0.4404484379272111 | 78475.50094 | 110237.25499 | 188712.75592999998 | 0.4158462980059983 70822.32724 | 89973.62784 | 160795.95507999999 | 0.4404484379272111 | 78475.50094 | 110237.25499 | 188712.75592999998 | 0.4158462980059983 Obligations à terme Banques locales | 0 | 1945749.74799 | 1945749.74799 | 0 | 0 | 1927471.8386900001 | 1927471.8386900001 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 102014.82672 | 102014.82672 | 0 | 0 | 84721.82308999999 | 84721.82308999999 | 0 0 | 2047764.57471 | 2047764.57471 | 0 | 0 | 2012193.6617800002 | 2012193.6617800002 | 0 Autres passifs | 85983.27025 | 81955.61518 | 167938.88543 | 0.5119914308698887 | 92110.47275 | 40632.579750000004 | 132743.0525 | 0.6939005169404252 4485140.649879999 | 3169448.44693 | 7654589.09681 | 0.5859413997479176 | 3724275.724420001 | 2977847.5000500004 | 6702123.224470001 | 0.5556859520013546 AVOIR DES ACTIONNAIRES Capital versé | 0 | 250000 | 250000 | 0 | 0 | 250000 | 250000 | 0 Réserves | 0 | 305532.74332999997 | 305532.74332999997 | 0 | 0 | 227443.0225 | 227443.0225 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 153107.5009 | 153107.5009 | 0 | 0 | 212478.22163000001 | 212478.22163000001 | 0 0 | 708640.24423 | 708640.24423 | 0 | 689921.24413 | 689921.24413 4485140.649879999 | 3878088.69116 | 8363229.341039999 | 0.5362929159278866 | 3724275.724420001 | 3667768.7441800004 | 7392044.468600001 | 0.503822148289288 *Converties au taux de 93.3162 gdes | *Converties au taux de 69.9774 Gdes [SGBELRÉSULT ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT (SOGEBL) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2019 | 2018 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 102608.66665 | 0.27190114354731243 | 130508.08044999998 | -0.04250020390212533 | 124961.46042 | 0.6108274358626455 | 201291.34887000007 | 104786.04675999998 | -0.038088988881709945 | 100794.85219 | 0.1605198188048457 | 116974.42360000001 | 0.09174041452596626 | 127705.70570999998 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5873.03893 | -0.0013780310494210506 | 5864.945700000001 | 0.04148601409898769 | 6108.258919999998 | -0.09358087590694339 | 5536.6426999999985 | 14992.961759999998 | -0.13973681208135094 | 12897.893079999998 | -0.03597917094843782 | 12433.837580000005 | 0.026730992572608282 | 12766.206400000003 108481.70558 | 0.2571062136318598 | 136373.02615 | -0.038888238823466155 | 131069.71934 | 0.5779998050768701 | 206827.99157000007 | 119779.00851999997 | -0.05081243637931539 | 113692.74527 | 0.13822795704931276 | 129408.26118000002 | 0.08549416265327149 | 140471.91210999998 Dépenses d'intérêt | 53693.5938 | 0.013713585697815502 | 54429.9255 | 0.26397526357077233 | 68798.07943 | 0.0072869660629134095 | 69299.40870000003 | 47144.232789999995 | 0.07865480485211244 | 50852.353220000005 | 0.05776904890302299 | 53790.04529999998 | 0.04653807848717396 | 56293.330650000025 54788.11177999999 | 0.4956365165319082 | 81943.10065 | -0.2400624406931079 | 62271.63991 | 1.2085267558196229 | 137528.58287000004 | 72634.77572999998 | -0.13484427509500327 | 62840.392049999995 | 0.20333774843150487 | 75618.21588000003 | 0.11320507208983256 | 84178.58145999996 AUTRES REVENUS Commissions | 4940.61712 | -0.43355135562498304 | 2798.6058700000003 | 0.549911052677096 | 4337.59017 | 0.2662150836624567 | 5492.3221 | 5749.08551 | -0.12883499622881756 | 5008.4021 | -0.143152210162998 | 4291.43827 | 0.0045073513314220996 | 4310.78129 Gains sur change | 4988.55432 | 0.42723645434816077 | 7119.84658 | -0.21180160879253115 | 5611.8516199999995 | -0.3613171101626524 | 3584.1936100000003 | 5163.04847 | 0.2298377028407018 | 6349.71167 | -0.57710619480774 | 2685.25373 | 0.8189075599943402 | 4884.22831 Autres | 2011.01591 | 0.05037368401525967 | 2112.31819 | 1.3711481554774663 | 5008.61938 | 0.0021544499953598324 | 5019.4102 | 7284.1595800000005 | -0.3176587325671962 | 4970.28268 | 0.743038299383004 | 8663.39307 | 0.8091661550339883 | 15673.51753 11940.18735 | 0.007586421162813705 | 12030.77064 | 0.24331695928665797 | 14958.06117 | -0.05763683208684196 | 14095.92591 | 18196.29356 | -0.10265261460202549 | 16328.39645 | -0.042154254528772236 | 15640.08507 | 0.5900506307156553 | 24868.527130000002 PRODUIT NET BANCAIRE | 66728.29913 | 0.408306108730873 | 93973.87129 | -0.1781789978442847 | 77229.70108 | 0.9632927055218901 | 151624.50878000003 | 90831.06928999998 | -0.1283952823759606 | 79168.7885 | 0.15270553811746201 | 91258.30095000003 | 0.1949281046745142 | 109047.10858999996 Dotation à la provision pour créances douteuses | -12715.12118 | 1.188751641924973 | 2400 | 8.889477716666667 | 23734.74652 | -0.16333742291004671 | 19857.97419 | 3000 | 0 | 3000 | 0 | 3000 | -9.390608446666665 | -25171.825339999996 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 79443.42031 | 0.15269295975255315 | 91573.87129 | -0.41582731180393234 | 53494.95456 | 1.4631581739584532 | 131766.53459000002 | 87831.06928999998 | -0.1327808130343211 | 76168.7885 | 0.15872003071179266 | 88258.30095000003 | 0.5207513909205828 | 134218.93392999994 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 22765.163760000003 | 0.3029478312876408 | 29661.82075 | -0.2027849976134725 | 23646.8485 | 0.1898911501885758 | 28137.17576 | 19093.477359999997 | 0.03235439612975787 | 19711.23529 | 0.019057107506122186 | 20086.87442 | 0.06796487952554231 | 21452.076419999998 Frais de locaux | 10373.33134 | -0.015151848027251117 | 10216.1562 | 0.11143493871011889 | 11354.59294 | -0.22059894557523443 | 8849.78171 | 9525.855169999999 | 0.10899027241876502 | 10564.08072 | -0.08852761776322364 | 9628.86782 | 0.023441545176388252 | 9854.58336 Amortissement | 2783.38439 | -0.03790535018413326 | 2677.87923 | 0.29527597852125703 | 3468.5926400000003 | 0.512290203671769 | 5245.5186699999995 | 2721.5226900000002 | -0.01371845259169979 | 2684.18761 | -0.007913973643593353 | 2662.94502 | -0.3870433494717815 | 1632.2698599999999 Autres dépenses d'exploitation | 18614.71242 | -0.11122332235310456 | 16544.32226 | -0.20986717590690857 | 13072.212069999998 | 0.7639041591833666 | 23058.129240000002 | 18490.54739 | 0.06525635042327421 | 19697.173029999998 | -0.06389046377788749 | 18438.71151 | -0.5019000929094748 | 9184.320489999998 54536.59191 | 0.08367934940876273 | 59100.178439999996 | -0.12788340897604894 | 51542.246150000006 | 0.26673962151337066 | 65290.60537999999 | 49831.40261 | 0.05669665897449649 | 52656.67665 | -0.03492962330732282 | 50817.39877 | -0.17108606206606128 | 42123.25012999999 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 24906.8284 | 0.30380682471799586 | 32473.69285 | -0.9398679904062716 | 1952.708409999992 | 33.04293691242939 | 66475.92921000003 | 37999.66667999999 | -0.3812547871012009 | 23512.111849999994 | 0.5924091557092539 | 37440.902180000034 | 1.4597613422145337 | 92095.68379999994 Impôts sur le revenu | 6724.84367 | 0.30380682440458856 | 8767.897069999999 | -0.9398679904895371 | 527.2312700000002 | 6.432900859617069 | 3918.857760000001 | 10259.91 | -0.3812547868353622 | 6348.270199999999 | 0.5924091558043643 | 10109.043590000001 | 1.4597613422695705 | 24865.83463 BÉNÉFICE NET | 18181.984729999996 | 0.30380682483391375 | 23705.79578 | -0.9398679903754746 | 1425.4771399999918 | 42.885005023651516 | 62557.07145000003 | 27739.756679999988 | -0.3812547871995248 | 17163.841649999995 | 0.592409155674076 | 27331.858590000033 | 1.4597613421941775 | 67229.84916999994 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 (oct.18 - sept. 19) | 2018 (oct.17 - sept. 18) | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 102608.66665 | -0.020779294355736264 | 104786.04675999998 | 130508.08044999998 | 0.29478914462804146 | 100794.85219 | 124961.46042 | 0.06828019813384226 | 116974.42360000001 | 201291.34887000007 | 0.576212650412831 | 127705.70570999998 | 559369.55639 | 0.2423228333832082 | 450261.02826000005 | 450261.02826000005 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 5873.03893 | -0.6082802701685808 | 14992.961759999998 | 5864.945700000001 | -0.5452787781987101 | 12897.893079999998 | 6108.258919999998 | -0.5087390453109011 | 12433.837580000005 | 5536.6426999999985 | -0.5663047794683942 | 12766.206400000003 | 23382.886249999996 | -0.5595688381679579 | 53090.89882 | 53090.89882 108481.70558 | -0.0943178865778775 | 119779.00851999997 | 136373.02615 | 0.19948749435276955 | 113692.74527 | 131069.71934 | 0.01283888791063331 | 129408.26118000002 | 206827.99157000007 | 0.47237969828472426 | 140471.91210999998 | 582752.44264 | 0.1577435414236141 | 503351.92708000005 | 503351.92708000005 Dépenses d'intérêt | 53693.5938 | 0.138921785813624 | 47144.232789999995 | 54429.9255 | 0.07035214800232588 | 50852.353220000005 | 68798.07943 | 0.2790113681127541 | 53790.04529999998 | 69299.40870000003 | 0.23104118906846025 | 56293.330650000025 | 246221.00743000003 | 0.18329994445756406 | 208079.96196 | 208079.96196 54788.11177999999 | -0.24570412410083162 | 72634.77572999998 | 81943.10065 | 0.3039877374539709 | 62840.392049999995 | 62271.63991 | -0.1764994824947995 | 75618.21588000003 | 137528.58287000004 | 0.6337716849665729 | 84178.58145999996 | 336531.43521 | 0.1397337877073155 | 295271.96512000007 | 295271.96512000007 AUTRES REVENUS Commissions | 4940.61712 | -0.14062556359506992 | 5749.08551 | 2798.6058700000003 | -0.44121781475972144 | 5008.4021 | 4337.59017 | 0.010754413111947374 | 4291.43827 | 5492.3221 | 0.274089713792926 | 4310.78129 | 17569.135260000003 | -0.09248961744497271 | 19359.707169999998 | 19359.707169999998 Gains sur change | 4988.55432 | -0.03379672900882132 | 5163.04847 | 7119.84658 | 0.12128659536441608 | 6349.71167 | 5611.8516199999995 | 1.0898775997603771 | 2685.25373 | 3584.1936100000003 | -0.266169928489686 | 4884.22831 | 21304.446130000004 | 0.1164540272069853 | 19082.24218 | 19082.24218 Autres | 2011.01591 | -0.7239192952991291 | 7284.1595800000005 | 2112.31819 | -0.575010451920614 | 4970.28268 | 5008.61938 | -0.4218640041458952 | 8663.39307 | 5019.4102 | -0.6797521558008555 | 15673.51753 | 14151.36368 | -0.6132593475255289 | 36591.35286 | 36591.35286 11940.18735 | -0.34381211697707953 | 18196.29356 | 12030.77064 | -0.26319950174899137 | 16328.39645 | 14958.06117 | -0.043607429048338184 | 15640.08507 | 14095.92591 | -0.43318211664431616 | 24868.527130000002 | 53024.94507000001 | -0.29331452157608545 | 75033.30221 | 75033.30221 PRODUIT NET BANCAIRE | 66728.29913 | -0.26535821221091327 | 90831.06928999998 | 93973.87129 | 0.1870065599147068 | 79168.7885 | 77229.70108 | -0.15372409659134717 | 91258.30095000003 | 151624.50878000003 | 0.39044960238317206 | 109047.10858999996 | 389556.38028000004 | 0.05198714317191772 | 370305.26733000006 | 370305.26733000006 Dotation à la provision pour créances douteuses | -12715.12118 | -5.238373726666667 | 3000 | 2400 | -0.2 | 3000 | 23734.74652 | 6.911582173333334 | 3000 | 19857.97419 | 1.7888968686924793 | -25171.825339999996 | 33277.59953 | 3.057751603814935 | -16171.825339999996 | -16171.825339999996 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 79443.42031 | -0.09549751640055418 | 87831.06928999998 | 91573.87129 | 0.20224928206649895 | 76168.7885 | 53494.95456 | -0.3938818900410752 | 88258.30095000003 | 131766.53459000002 | -0.01827163477009087 | 134218.93392999994 | 356278.78075000003 | -0.07813739156277845 | 386477.09267000004 | 386477.09267000004 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 22765.163760000003 | 0.19230056059311798 | 19093.477359999997 | 29661.82075 | 0.5048179534972208 | 19711.23529 | 23646.8485 | 0.17722887123023096 | 20086.87442 | 28137.17576 | 0.3116294762854477 | 21452.076419999998 | 104211.00877 | 0.29706568313219434 | 80343.66349 | 80343.66349 Frais de locaux | 10373.33134 | 0.08896588861323217 | 9525.855169999999 | 10216.1562 | -0.03293467072258423 | 10564.08072 | 11354.59294 | 0.17922409490506444 | 9628.86782 | 8849.78171 | -0.10196287486678698 | 9854.58336 | 40793.86219 | 0.030840805156282087 | 39573.38707 | 39573.38707 Amortissement | 2783.38439 | 0.02273054721436106 | 2721.5226900000002 | 2677.87923 | -0.002350200849038247 | 2684.18761 | 3468.5926400000003 | 0.3025400877409028 | 2662.94502 | 5245.5186699999995 | 2.213634459929316 | 1632.2698599999999 | 14175.37493 | 0.46123948664450987 | 9700.92518 | 9700.92518 Autres dépenses d'exploitation | 18614.71242 | 0.006715054312948608 | 18490.54739 | 16544.32226 | -0.1600661559502987 | 19697.173029999998 | 13072.212069999998 | -0.291045252109376 | 18438.71151 | 23058.129240000002 | 1.5105971928033193 | 9184.320489999998 | 71289.37599 | 0.08324815274920079 | 65810.75242 | 65810.75242 54536.59191 | 0.09442217263729566 | 49831.40261 | 59100.178439999996 | 0.12236818196539175 | 52656.67665 | 51542.246150000006 | 0.014263763938029812 | 50817.39877 | 65290.60537999999 | 0.5499897367487394 | 42123.25012999999 | 230469.62188 | 0.1793026749440418 | 195428.72816 | 195428.72816 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 24906.8284 | -0.34455139804926294 | 37999.66667999999 | 32473.69285 | 0.3811474297660764 | 23512.111849999994 | 1952.708409999992 | -0.9478455834046895 | 37440.902180000034 | 66475.92921000003 | -0.2781862681603752 | 92095.68379999994 | 125809.15887000004 | -0.34148005300817524 | 191048.36451000004 | 191048.36451000004 Impôts sur le revenu | 6724.84367 | -0.3445513976243456 | 10259.91 | 8767.897069999999 | 0.38114742973605636 | 6348.270199999999 | 527.2312700000002 | -0.947845583481157 | 10109.043590000001 | 3918.857760000001 | -0.8423999106278942 | 24865.83463 | 19938.82977 | -0.6134616600734702 | 51583.05842 | 51583.05842 BÉNÉFICE NET | 18181.984729999996 | -0.34455139820642416 | 27739.756679999988 | 23705.79578 | 0.38114742977717975 | 17163.841649999995 | 1425.4771399999918 | -0.947845583376407 | 27331.858590000033 | 62557.07145000003 | -0.06950450994147181 | 67229.84916999994 | 105870.32910000005 | -0.2408841161422641 | 139465.30609000003 | 139465.30609000003 0.2170253274734185 | 0.20094937224729503 [SGBELVARAN ] SOCIÉTÉ GÉNÉRALE HAÏTIENNE DE BANQUE D'ÉPARGNE ET DE LOGEMENT RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2019 | Var. | 2018 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 559369.55639 | 0.2423228333832082 | 450261.02826000005 | 450261.02826000005 | 0.04708379953512371 | 430014.3202099999 | -0.04028158117261917 | 448063.00658 | 0.351564845900523 | 331514.25027 Intérêts sur Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 23382.886249999996 | -0.5595688381679579 | 53090.89882 | 53090.89882 | -0.5407184889063065 | 115595.54986999999 | -0.05578362994367248 | 122424.85254000002 | 1.2203310837829398 | 55138.10685 582752.44264 | 0.1577435414236141 | 503351.92708000005 | 503351.92708000005 | -0.07745084045822667 | 545609.8700799999 | -0.043608270784895244 | 570487.85912 | 0.4754542384515854 | 386652.35712 Dépenses d'intérêt | 246221.00743000003 | 0.18329994445756406 | 208079.96196 | 208079.96196 | -0.12124519315706357 | 236789.55761000008 | -0.12423484277636426 | 270380.19914000004 | 1.0382300678062442 | 132654.4061 336531.43521 | 0.1397337877073155 | 295271.96512000007 | 295271.96512000007 | -0.04387129603502331 | 308820.31246999983 | 0.02903175643894084 | 300107.65998 | 0.18153575166584424 | 253997.95102 AUTRES REVENUS Commissions | 17569.135260000003 | -0.09248961744497271 | 19359.707169999998 | 19359.707169999998 | -0.2540802342615569 | 25954.14153 | -0.12220736530232584 | 29567.508889999997 | 0.2778538580496562 | 23138.41188 Gains sur change | 21304.446130000004 | 0.1164540272069853 | 19082.24218 | 19082.24218 | -0.17133950698467842 | 23027.816990000003 | -0.07387419772779731 | 24864.6749 | 0.38577122574470296 | 17942.84254 Autres | 14151.36368 | -0.6132593475255289 | 36591.35286 | 36591.35286 | 0.5590165374730502 | 23470.791989999998 | 5.190130162862156 | 3791.64757 | 0.24114309389850516 | 3054.9640799999997 53024.94507000001 | -0.29331452157608545 | 75033.30221 | 75033.30221 | 0.03561702877855308 | 72452.75051 | 0.24438307850306337 | 58223.83136 | 0.31918486310738203 | 44136.218499999995 PRODUIT NET BANCAIRE | 389556.38028000004 | 0.05198714317191772 | 370305.26733000006 | 370305.26733000006 | -0.028766248431704926 | 381273.0629799998 | 0.06402331973170584 | 358331.49134 | 0.20191352744611094 | 298134.16952 Dotation à la provision pour créances douteuses | 33277.59953 | -3.057751603814935 | -16171.825339999996 | -16171.825339999996 | -1.9205408195651248 | 17567.74387 | 4.217908513607741 | -5459.3670999999995 | -1.2943055040431266 | 18550 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 356278.78075000003 | -0.07813739156277845 | 386477.09267000004 | 386477.09267000004 | 0.06261050461325007 | 363705.3191099998 | -0.0002351332586172784 | 363790.85844 | 0.3011854679203369 | 279584.16952 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 104211.00877 | 0.29706568313219434 | 80343.66349 | 80343.66349 | 0.11080743007541254 | 72329.06561 | 0.06163064859559702 | 68130.15968000001 | 0.15080789849341 | 59202.02648 Frais de locaux | 40793.86219 | 0.030840805156282087 | 39573.38707 | 39573.38707 | 0.08069596733801623 | 36618.427630000006 | -0.2080512899304724 | 46238.38282 | 0.8532992174707044 | 24949.226970000003 Amortissement | 14175.37493 | 0.46123948664450987 | 9700.92518 | 9700.92518 | -0.052608669375293175 | 10239.61785 | -0.03787098516601945 | 10642.666099999999 | 0.1422230449796539 | 9317.50252 Autres dépenses d'exploitation | 71289.37599 | 0.08324815274920079 | 65810.75242 | 65810.75242 | 0.06633195758229421 | 61716.946540000004 | 0.04308722023836159 | 59167.57999 | -0.007924908955903509 | 59640.22333 230469.62188 | 0.1793026749440418 | 195428.72816 | 195428.72816 | 0.08028935735486412 | 180904.05763 | -0.017780174281034535 | 184178.78859 | 0.20292610813584075 | 153108.9793 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 125809.15887000004 | -0.34148005300817524 | 191048.36451000004 | 191048.36451000004 | 0.04511513193743766 | 182801.2614799998 | 0.017755998428520096 | 179612.06984999997 | 0.42013678364562956 | 126475.19021999999 Impôts sur le revenu | 19938.82977 | -0.6134616600734702 | 51583.05842 | 51583.05842 | 0.045115131975566235 | 49356.3406 | 0.01775599842627588 | 48495.25886 | 0.4201367836353195 | 34148.30136 BÉNÉFICE NET | 105870.32910000005 | -0.2408841161422641 | 139465.30609000003 | 139465.30609000003 | 0.04511513192333514 | 133444.92087999982 | 0.017755998429350203 | 131116.81098999997 | 0.4201367836494429 | 92326.88885999999 [unibkinfin] UNIBANK (UNIBK) INDICATEURS FINANCIERS Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 FAITS SAILLANTS FINANCIERS (En milliers de gourdes) Bilan Actif | 121802219.64550681 | 0.04433026832575575 | 127201744.72506477 | 0.056963396516453935 | 134447588.1474234 | 0.018328198022755565 | 136911770.16667125 | 0.2105370995233793 | 113100019.99986374 | -0.018285598453355156 | 115206642.40198573 | 0.3371283704934018 | 86159747.21968868 | 0.17727741376235576 | 73185594.33187327 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 600000 | -0.3333333333333333 | 900000 | 0 | 0 | 0 | 0 Prêts nets | 36315495.97061 | -0.02382107327241514 | 35450421.88017 | 0.08686890400504954 | 38529961.175417 | 0.005367815660685617 | 38736782.90442001 | 0.20484090978454544 | 32150952.53642 | 0.1013941567494673 | 29191141.37241 | 0.17520460887677017 | 24839199.19299 | 0.12514697887388776 | 22076403.935999997 Dépôts | 104474926.956898 | 0.03377454142367243 | 108003519.7051389 | 0.043617314142112035 | 112714343.15257174 | 0.029018140998694573 | 115985103.85474831 | 0.19488506221538535 | 97068000.53195517 | 0.041848317783720494 | 93169033.22207573 | 0.32696466406225894 | 70212143.35644464 | 0.18575551294860235 | 59213001.8285549 Avoir des Actionnaires | 11242494.525969999 | 0.06308162803564371 | 11951689.383849999 | -0.023016622850968508 | 11676601.85687 | 0.03622478146594833 | 12099584.207400002 | 0.16459879809659886 | 10389487.11537 | -0.14997333442544156 | 12222542.58147 | 0.11791422395645655 | 10933345.61771 | 0.7113905200092285 | 6388574.37264 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | Var. | TRIM 1 | TRIM 2 | Var. | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) Résultats Revenus nets d'intérêt | 802417.4682 | 0.2255459107924826 | 654742.8873399999 | 816913.9217100001 | 0.21452358321280887 | 672620.8803199999 | 825541.4684300001 | 0.23034150631622116 | 670985.6281300001 | 948894.4157100002 | 0.3278066456973258 | 714632.97671 | 3393767.27405 | 0.25093598412239615 | 2712982.3724999996 Autres revenus | 1165067.28849 | 0.943515932026414 | 599463.71897 | 1111261.53785 | 0.848967420151253 | 601017.3709600001 | 1294747.64946 | 0.7108526587796927 | 756785.01174 | 877989.60959 | 0.006672814233849171 | 872169.78265 | 4449066.08539 | 0.5724215947233757 | 2829435.88432 Dot. à la prov. pr créances douteuses | 17931 | 1.3287012987012987 | 7700 | 9950 | 0.26525940996948116 | 7864 | 21587.29 | 0.13235889634913978 | 19064 | 178201.03 | 20.254893845419847 | 8384 | 227669.32 | 4.293158188412536 | 43012 Dépenses d'exploitation | 954278.1688899999 | 0.11412904156920685 | 856523.9153499999 | 1064750.02559 | 0.16262037682769778 | 915819.1674700001 | 1254283.3636 | 0.3726354467865336 | 913777.48297 | 1284746.78683 | 0.28381080389406715 | 1000729.0661 | 4558058.3449099995 | 0.23630166673583294 | 3686849.6318900003 Bénéfice (perte) net | 853007.40757 | 1.6125043362000269 | 326509.47053000005 | 728016.4078800001 | 1.3614965098716794 | 308286.04015999986 | 794555.0229900003 | 0.3241007573604847 | 600071.42098 | 448348.5931500002 | -0.3708386049490398 | 712613.0062599999 | 2823927.43159 | 0.4500418600417458 | 1947479.9379299995 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | TRIM 3 | TRIM 4 | TRIM 4 | CUMUL | CUMUL | ANNÉE (oct. - déc. 18) | (oct. - déc. 17) | (janv. - mars 19) | (janv. - mars 18) | (avril - juin 19) | (avril - juin 18) | (juil. - sept. 19) | (juil. - sept. 18) | (oct.18 - sept. 19) | (oct.17 - sept. 18) | 2018 | 2017 | 2016 | 2015 RATIOS FINANCIERS CLÉS (Données trimestrielles et cumulatives annualisées) Structure financière Avoir des actionnaires en % de l'actif | 0.09230122865322286 | 0.10810912522953939 | 0.09395853342800062 | 0.10738721421051199 | 0.08684872683670952 | 0.08649823046589548 | 0.08837504761402487 | 0.09186105462565361 | 0.08837504761402487 | 0.09186105462565361 | 0.09186105462565361 | 0.10609234265175779 | 0.1268962127968219 | 0.08729278529419134 Dépôts en % de l'actif | 0.8577423897607271 | 0.808804847203026 | 0.8490726281984488 | 0.8120769867681632 | 0.8383515443131573 | 0.8327839488970207 | 0.8471521748170548 | 0.8582491898062627 | 0.8471521748170548 | 0.8582491898062627 | 0.8582491898062627 | 0.8087123387988768 | 0.8149065616153549 | 0.8090800159392417 Qualité de l'actif Prêts improductifs bruts en % des prêts bruts | 0.001372230883780026 | 0.0014619647269173616 | 0.0016847718712124967 | 0.0011328501514417093 | 0.0018026165698218906 | 0.0011510604710220141 | 0.007531583505766791 | 0.0009692811640748915 | 0.007531583505766791 | 0.0009692811640748915 | 0.0009692811640748915 | 0.002420062145526029 | 0.006941060232691702 | 0.004510084115484565 Provisions pour créances douteuses en % des prêts improductifs bruts | 5.064618297330565 | 3.850325843740794 | 4.642832698438702 | 4.888264239040616 | 4.78497638224745 | 5.467552038892629 | 1.741309741311233 | 6.802098296045859 | 1.741309741311233 | 6.802098296045859 | 6.802098296045859 | 2.698268368499335 | 1.4509082676359661 | 1.9699112006201913 Prêts improductifs nets en % de l'avoir des actionnaires | -0.018142831216758047 | -0.009907555440736066 | -0.018347753479630774 | -0.01080236196356376 | -0.022709672875759188 | -0.01654311256016699 | -0.018112253111637455 | -0.01751892440491448 | -0.018112253111637455 | -0.01751892440491448 | -0.01751892440491448 | -0.009880242163613396 | -0.007182810489663147 | -0.01525164576893478 Rentabilité ROA (rendement de l'actif) | 0.029050635152999014 | 0.011281105455615469 | 0.023389713002209225 | 0.010436727742895405 | 0.024293737400881286 | 0.020606453010272238 | 0.01321785534681411 | 0.0252147991466564 | 0.02259035407657341 | 0.017060211186497757 | 0.017060211186497757 | 0.09857517999857628 | 0.06614101829095291 | 0.027227373992676173 ROE (rendement avoir des action.) | 0.315461587093751 | 0.10532688463798251 | 0.251103090571519 | 0.09686721689742252 | 0.2690181917584282 | 0.21187948147058258 | 0.15085635414798923 | 0.282737645325594 | 0.25113775407264566 | 0.1722516699332088 | 0.1722516699332088 | 0.8572216246631783 | 0.608435043921886 | 0.30404361695885007 Revenus nets d'intérêt en % des revenus d'intérêt | 0.8114343148761239 | 0.7682327551454634 | 0.7773973836780025 | 0.7749310104647635 | 0.7410714351991868 | 0.7450966354051376 | 0.7614515115780867 | 0.7939169958127515 | 0.7713337934352702 | 0.7705328185157186 | 0.7705328185157186 | 0.6431104592380702 | 0.66949993362236 | 0.8151533594246186 Rendement moyen des prêts | 0.10195601063715878 | 0.09938025826590609 | 0.10351228546965903 | 0.09719882073336154 | 0.10518657891814917 | 0.09466662404360382 | 0.11404562410439446 | 0.09902828128930397 | 0.10914966133935232 | 0.0978000610885603 | 0.0978000610885603 | 0.1055141735780157 | 0.12091848658212812 | 0.10387924547221736 Rendement moyen des prêts productifs | 0.1020767722548156 | 0.09957311247540984 | 0.10367055789323434 | 0.09732464986648694 | 0.10537057393438794 | 0.09477485059264971 | 0.11458201320091488 | 0.09913324922484495 | 0.10965032220657434 | 0.09796264458623037 | 0.09796264458623037 | 0.10599139947090741 | 0.12162364539119629 | 0.10414954572948672 Rémunération moyenne des dépôts | 0.007401710463705088 | 0.008438531464933228 | 0.008807214855897897 | 0.00816015901919845 | 0.010454693104235028 | 0.009588287998114672 | 0.010398655225798957 | 0.007762948344028721 | 0.009444605335615003 | 0.008493982118062552 | 0.008493982118062552 | 0.013927407641885938 | 0.015445704433420197 | 0.008296668635488808 Dépenses d'exploitation en % du produit net bancaire | 0.4850244280903252 | 0.6829209087567941 | 0.5522059832837881 | 0.7190575240258421 | 0.5915624209061623 | 0.6400029930950256 | 0.7032448524580133 | 0.6306575030809883 | 0.5811749575711319 | 0.6652059554244748 | 0.6652059554244748 | 0.25759194644786443 | 0.3281101295659893 | 0.5043522634156501 (revenus nets d'int.+autres revenus) Productivité par employé ('000 gdes) | 6150.7925179835875 | 3822.34394304 | 6080.174882333465 | 3865.3664682245826 | 6707.122555603006 | 4331.499855502465 | 5756.231666955496 | 4878.7171694388935 | 6122.430413302108 | 4266.680721185528 | 4266.680721185528 | 10344.60020767949 | 6870.057843196617 | 3878.687916746242 [unibkvar] UNIBANK (UNIBK) BILAN ANALYSE DES VARIATIONS (En milliers de gourdes) Var.sept.19 | SEPTEMBRE Déc. 18 | Var. | Mars 19 | Var. | Juin 19 | Var. | Sept. 19 | /sept. 18 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 ACTIF Disponibilités Encaisse | 2225294.7669494213 | -0.13278360044559892 | 1929812.1157411272 | 0.42463913069135684 | 2749285.8549670875 | -0.14635874726685508 | 2346903.82135562 | 0.7272347880190411 | 1358763.6363249 | -0.1880169237811033 | 1673389.10886192 | 0.1427806393912937 | 1464313.4921792662 | 0.7555377483729798 | 834111.0827929401 Avoirs à la BRH | 43418814.64149393 | 0.0932357402902196 | 47466999.96711744 | 0.05082252689473696 | 49879392.84955875 | 0.043533494659258036 | 52050817.13178205 | 0.24934793414521225 | 41662387.0014197 | 0.19977063841925743 | 34725293.041269496 | 0.28383738993808355 | 27048046.203845344 | 0.019627176897909052 | 26527388.45794177 Avoirs à l'étranger | 5764792.633714011 | 0.08880045311064916 | 6276708.831676748 | 0.010674673758189491 | 6343710.650730044 | 0.163372222471073 | 7380096.758453228 | 1.4327891529288264 | 3033594.8964456515 | -0.46259172724587083 | 5644860.807406212 | 2.637248655421761 | 1551959.0058798597 | -0.08675629422145831 | 1699391.954261335 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 0.5135672332618175 | -0.998524862274898 | 348.14866742446173 Autres liquidités | 1040449.4812264551 | -0.14505724819313745 | 889524.7425957681 | 0.3160192979659851 | 1170631.7272742563 | -0.661863586612489 | 395833.213658144 | -0.6217753306554045 | 1046555.779516078 | 0.11134268396952117 | 941703.9357995 | 0.4701140940292231 | 640565.204853264 | 0.29521665380876366 | 494562.205457746 52449351.52338382 | 0.07843174442134392 | 56563045.65713108 | 0.06329177263720613 | 60143021.08253013 | 0.03376334953198332 | 62173650.92524904 | 0.3199985815924103 | 47101301.31370629 | 0.09575504894929815 | 42985246.89333713 | 0.3999481745283246 | 30704884.420324966 | 0.038878409629001874 | 29555801.84912122 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 600000 | -0.3333333333333333 | 900000 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 165048.68279 | 1.534802347209935 | 418365.78854 | -0.8286597607797791 | 71682.89429 | -0.6512417601490795 | 25000.00004 | -0.8795557495944972 | 207564.91037 | -0.4735816396578111 | 394296.48737 | -0.3262131962991845 | 585194.73104 | -0.24190337219381816 | 771926.30804 Autres Placements | 26590182.49204907 | 0.08556330839276656 | 28865326.476836205 | 0.035948877869701634 | 29903002.573021054 | 0.010498354840784175 | 30216934.90483751 | 0.1162748414415176 | 27069440.0545805 | -0.19431760418559516 | 33598152.566332296 | 0.24971774299102048 | 26884592.744854473 | 0.49404726210348493 | 17994472.749813396 Portefeuille net | 36315495.97061 | -0.02382107327241514 | 35450421.88017 | 0.08686890400504954 | 38529961.175417 | 0.005367815660685617 | 38736782.90442001 | 0.20484090978454544 | 32150952.53642 | 0.1013941567494673 | 29191141.37241 | 0.17520460887677017 | 24839199.19299 | 0.12514697887388776 | 22076403.935999997 Immobilisations | 2420480.15645 | 0.010360865997257787 | 2445558.427 | 0.03832594184019446 | 2539286.7570399996 | 0.0337741187056682 | 2625048.9294 | 0.08355917371391151 | 2422617.05044 | 0.07885380536703164 | 2245547.11527 | 0.17827349702977574 | 1905794.4704099998 | 0.2101939219855963 | 1574784.3678500003 Autres actifs | 3861660.820223915 | -0.10426454926538277 | 3459026.49538748 | -0.05735510570007137 | 3260633.6651251838 | -0.038729024898184986 | 3134352.5027246904 | -0.11662199052644559 | 3548144.1343469657 | -0.39782946468769104 | 5892257.967266301 | 3.751508031283415 | 1240081.660069248 | 0.02299655275872231 | 1212205.121048659 121802219.64550681 | 0.04433026832575575 | 127201744.72506477 | 0.056963396516453935 | 134447588.1474234 | 0.018328198022755565 | 136911770.16667125 | 0.2105370995233793 | 113100019.99986374 | -0.018285598453355156 | 115206642.40198573 | 0.3371283704934018 | 86159747.21968868 | 0.17727741376235576 | 73185594.33187327 PASSIF Dépôts À vue | 43310024.071331784 | -0.0013482786069250955 | 43251630.092411 | 0.031743798379573016 | 44624601.117652364 | 0.09404555524920706 | 48821346.50753637 | 0.21182725942278177 | 40287381.000812754 | -0.017656761593571584 | 41011511.481636025 | 0.4472486800995875 | 28337570.484993607 | 0.1935458841601715 | 23742338.573713988 Épargne | 37375169.12160332 | 0.07426225320608193 | 40150733.39453196 | 0.08369727040115217 | 43511240.18425867 | -0.005692622805068264 | 43263547.106108956 | 0.26261632832742743 | 34264998.90383934 | 0.09962590994501515 | 31160596.157244697 | 0.18760003638334843 | 26238291.68289642 | 0.1749255632384162 | 22331875.74077162 À terme | 23789733.763962902 | 0.0341080931078855 | 24601156.218195956 | -0.0009208659680188562 | 24578501.850660704 | -0.02759694686352388 | 23900210.241102997 | 0.06149462352021182 | 22515620.62730308 | 0.07232940070633852 | 20996925.583194997 | 0.3428337166617497 | 15636281.188554617 | 0.19008555179166717 | 13138787.514069289 104474926.956898 | 0.03377454142367243 | 108003519.7051389 | 0.043617314142112035 | 112714343.15257174 | 0.029018140998694573 | 115985103.85474831 | 0.19488506221538535 | 97068000.53195517 | 0.041848317783720494 | 93169033.22207573 | 0.32696466406225894 | 70212143.35644464 | 0.18575551294860235 | 59213001.8285549 Obligations à vue Banques locales | 2275810.1933500003 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 2124281.0729300003 | -0.09381830926488884 | 2344210.98401 | 1.6622652768921418 | 880532.45646 | -0.806874365535271 | 4559376.3816 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 687247.888766208 | 0 | 0 Autres | 1528920.7969596423 | 0.10111018056789903 | 1683510.2548142478 | 0.9507032577521017 | 3284028.938525224 | -0.031396547972484735 | 3180921.766413789 | 0.9393928034767269 | 1640163.74646301 | -0.6781843743329442 | 5096594.495880357 | 2.0778360741344954 | 1655901.865180896 | -0.22546660104280877 | 2137934.7455001334 3804730.9903096426 | -0.5575218697190369 | 1683510.2548142478 | 0.9507032577521017 | 3284028.938525224 | -0.031396547972484735 | 3180921.766413789 | -0.15500906002742537 | 3764444.8193930103 | -0.49408100647613207 | 7440805.479890357 | 1.3081696625892576 | 3223682.210407104 | -0.5186602280782907 | 6697311.127100133 Obligations à terme Banques locales | 0 | 0 | 3023024.35248 | 0 | 2951006.3766099997 | 0 | 2690584.06942 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 530526.76403353 | 0.48857963100355073 | 789731.33464254 | 0.14705420801398247 | 905864.650602224 | 0.08153782262847964 | 979726.8818084379 | 1.7927280755791506 | 350813.56125417404 | -0.6682147286193865 | 1057351.2193425 | 0.9042099610784883 | 555270.291067928 | -0.0235821885278855 | 568681.0344341879 530526.76403353 | 6.1867357984630695 | 3812755.6871225396 | 0.011570460766390699 | 3856871.027212224 | -0.04837083601383298 | 3670310.951228438 | 9.462283550575735 | 350813.56125417404 | -0.6682147286193865 | 1057351.2193425 | 0.9042099610784883 | 555270.291067928 | -0.0235821885278855 | 568681.0344341879 Autres passifs | 1749540.4085097162 | 0.0004168416722212308 | 1750269.689859218 | 0.6658822297833827 | 2915743.173664944 | -0.32235136329405045 | 1975849.3866187278 | 0.29370985074812794 | 1527273.975285982 | 0.15974067887912816 | 1316909.8946861718 | 0.06605987973787465 | 1235305.7456866088 | 2.8842920417467806 | 318025.970346732 110559725.11975089 | 0.042423497454464276 | 115250055.33693491 | 0.06525750406845088 | 122770986.29197413 | 0.01662607533493918 | 124812185.95900927 | 0.21518390032350015 | 102710532.88788833 | -0.002656399663591113 | 102984099.81599477 | 0.36898878080934033 | 75226401.60360628 | 0.12619397763797066 | 66797019.96043595 AVOIR DES ACTIONNAIRES Capital versé | 6431912.5 | -0.004036513245477142 | 6405950 | 0 | 6405950 | -0.0001951310890656343 | 6404700 | -0.004230856685317159 | 6431912.5 | -0.005894467585258229 | 6470050 | 1.0001932165532486 | 3234712.5 | -0.0016396478422234396 | 3240025 Réserves | 764605.71795 | 0.724926080589743 | 1318888.34426 | -0.02249966452364818 | 1289213.7989700001 | 0.08215350238619683 | 1395127.22788 | 0.8202596836864942 | 766444.06311 | -0.34376844814764773 | 1167947.59555 | 0.8002299275444389 | 648776.90215 | 0.46583907008899605 | 442597.63257 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 4045976.30802 | 0.04470484199610031 | 4226851.039589999 | -0.05806047560971151 | 3981438.0579000004 | 0.0799507406597446 | 4299756.9795200005 | 0.34740867197515835 | 3191130.5522600003 | -0.30393734556852153 | 4584544.98592 | -0.3496966681673194 | 7049856.215559999 | 1.6053148366118415 | 2705951.74007 11242494.525969999 | 0.06308162803564371 | 11951689.383849999 | -0.023016622850968508 | 11676601.85687 | 0.03622478146594833 | 12099584.207400002 | 0.16459879809659886 | 10389487.11537 | -0.14997333442544156 | 12222542.58147 | 0.11791422395645655 | 10933345.61771 | 0.7113905200092285 | 6388574.37264 121802219.64572088 | 0.044330268288782476 | 127201744.7207849 | 0.05696339656318599 | 134447588.14884412 | 0.01832819801004624 | 136911770.16640928 | 0.21053709948472998 | 113100020.00325833 | -0.018285598385365257 | 115206642.39746477 | 0.33712837041567095 | 86159747.22131628 | 0.17727741376524836 | 73185594.33307596 Hors-bilan Effets à l'encaissement | 18390.350251979 | 2274.240087058 | 2864.298906772 | 629.0437063559999 | 1197.311534722 | 935.3474272999999 | 271.457874491 | 396.574658807 Crédit documentaire | 1222879.504750739 | 1183419.885489608 | 1436801.892076672 | 1317310.419578244 | 1037165.801866848 | 1007818.0681790999 | 1022605.422937896 | 722420.073899134 Autres | 1894680.824758106 | 1366816.714956799 | 1567525.876719824 | 1528207.0292863299 | 1323377.4992928582 | 1572242.4266678 | 591566.379731576 | 535586.8676826339 Portefeuille brut | 36569648.65254 | -0.022962850710124903 | 35729905.27001 | 0.08774965198798348 | 38865192.023017 | 0.009941235207179598 | 39251560.03829001 | 0.21280290957768924 | 32364335.316409998 | 0.10146419204857106 | 29383011.76747 | 0.1710160171408638 | 25091895.702 | 0.1264954065688004 | 22274299.172179997 Provisions pour créances douteuses | 254152.68193 | 0.0996672854980013 | 279483.38984 | 0.19946608559426207 | 335230.8476 | 0.535589989869417 | 514777.13387 | 1.4124586524466716 | 213382.77999 | 0.11211935495975206 | 191870.39506 | -0.2407081688160279 | 252696.50901 | 0.2769206267307733 | 197895.23618 Portefeuille de crédit improductif | 50182.00129 | 0.19956832753889556 | 60196.73936 | 0.16383445141471206 | 70059.03913 | 3.2196753742431743 | 295626.40215999994 | 8.423815016811298 | 31370.140610000002 | -0.5588425296311608 | 71108.7145 | -0.5917148908260832 | 174164.35942000002 | 0.7336866161762234 | 100458.96287999999 0 [unibkcomp ] UNIBANK (UNIBK) BILAN ANALYSE DE LA COMPOSITION (En milliers de gourdes) SEPTEMBRE Déc. 18 | Comp. | Mars 19 | Comp. | Juin 19 | Comp. | Sept. 19 | Comp. | 2018 | Comp. | 2017 | Comp. | 2016 | Comp. | 2015 | Comp. ACTIF Disponibilités Encaisse | 2225294.7669494213 | 0.01826973903616797 | 1929812.1157411272 | 0.015171270802238162 | 2749285.8549670875 | 0.020448755480481084 | 2346903.82135562 | 0.017141724327269944 | 1358763.6363249 | 0.012013823130416214 | 1673389.10886192 | 0.01452510961150168 | 1464313.4921792662 | 0.016995331804370132 | 834111.0827929401 | 0.01139720310271053 Avoirs à la BRH | 43418814.64149393 | 0.35646981448991694 | 47466999.96711744 | 0.3731631202835553 | 49879392.84955875 | 0.37099507352162686 | 52050817.13178205 | 0.3801778113628751 | 41662387.0014197 | 0.36836763602225603 | 34725293.041269496 | 0.30141745577571805 | 27048046.203845344 | 0.313929033877951 | 26527388.45794177 | 0.3624673503046043 Avoirs à l'étranger | 5764792.633714011 | 0.04732912627119492 | 6276708.831676748 | 0.0493445183888263 | 6343710.650730044 | 0.04718352138659482 | 7380096.758453228 | 0.0539040343242146 | 3033594.8964456515 | 0.02682223129977612 | 5644860.807406212 | 0.04899770264729906 | 1551959.0058798597 | 0.018012576127024844 | 1699391.954261335 | 0.02322030680730877 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5135672332618175 | 5.960639972078056e-09 | 348.14866742446173 | 4.7570655209236784e-06 Autres liquidités | 1040449.4812264551 | 0.008542122501991994 | 889524.7425957681 | 0.006993023126517616 | 1170631.7272742563 | 0.00870697454230748 | 395833.213658144 | 0.0028911554731654663 | 1046555.779516078 | 0.00925336511450076 | 941703.9357995 | 0.008174042018459766 | 640565.204853264 | 0.007434622611182477 | 494562.205457746 | 0.006757644178102381 52449351.52338382 | 0.43061080229927184 | 56563045.65713108 | 0.44467193260113735 | 60143021.08253013 | 0.4473343249310102 | 62173650.92524904 | 0.4541147254875251 | 47101301.31370633 | 0.4164570555669491 | 42985246.89333713 | 0.37311431005297857 | 30704884.420324966 | 0.3563715703811684 | 29555801.84912122 | 0.40384726145824695 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 600000 | 0.0053050388496900585 | 900000 | 0.007812049559257768 | 0 | 0 | 0 | 0 Bons du Trésor / M.E.F. | 165048.68279 | 0.0013550548033554534 | 418365.78854 | 0.0032889941049492706 | 71682.89429 | 0.0005331660855931372 | 25000.00004 | 0.00018259934854078608 | 207564.91037 | 0 | 394296.48737 | 0 | 585194.73104 | 0 | 771926.30804 | 0 Autres Placements | 26590182.49204907 | 0.21830622273910227 | 28865326.476836205 | 0.22692555467085798 | 29903002.573021054 | 0.22241382671909335 | 30216934.90483751 | 0.22070370478778084 | 27069440.0545805 | 0.2393407185481762 | 33598152.566332296 | 0.29163381438632385 | 26884592.744854473 | 0.31203193616973585 | 17994472.749813396 | 0.245874518258528 Portefeuille net | 36315495.97061 | 0.2981513479500014 | 35450421.88017 | 0.2786944625389607 | 38529961.175417 | 0.28657978701089404 | 38736782.90442001 | 0.2829324524638262 | 32150952.53642 | 0.28427008710041535 | 29191141.37241 | 0.2533807145472964 | 24839199.19299 | 0.2882923870430519 | 22076403.935999997 | 0.30164958196404834 Immobilisations | 2420480.15645 | 0.01987221713606341 | 2445558.427 | 0.01922582455363216 | 2539286.7570399996 | 0.018886815241755332 | 2625048.9294 | 0.019173288945167854 | 2422617.05044 | 0.02142012928417623 | 2245547.11527 | 0.019491472613486174 | 1905794.4704099998 | 0.02211931362275979 | 1574784.3678500003 | 0.021517682301094077 Autres actifs | 3861660.820223915 | 0.03170435507220552 | 3459026.49538748 | 0.027193231530462554 | 3260633.6651251838 | 0.02425208001165376 | 3134352.5027246904 | 0.022893228967159267 | 3548144.1343469657 | 0.03137173746168426 | 5892257.967266301 | 0.051145123618017534 | 1240081.660069248 | 0.014392819153790093 | 1212205.121048659 | 0.016563438913287997 121802219.64550681 | 1 | 127201744.72506477 | 1 | 134447588.1474234 | 1 | 136911770.16667125 | 1 | 113100019.99986379 | 1 | 115206642.40198573 | 1 | 86159747.21968868 | 1 | 73185594.33187327 | 1 PASSIF Dépôts À vue | 43310024.071331784 | 0.3555766405356264 | 43251630.092411 | 0.34002387456159144 | 44624601.117652364 | 0.33191075966882316 | 48821346.50753637 | 0.35658984211586114 | 40287381.000812754 | 0.3562102022692947 | 41011511.481636025 | 0.35598217799401066 | 28337570.484993607 | 0.32889570129237894 | 23742338.573713988 | 0.3244127316374596 Épargne | 37375169.12160332 | 0.3068512973768459 | 40150733.39453196 | 0.3156460902428201 | 43511240.18425867 | 0.3236297562775769 | 43263547.106108956 | 0.3159958201799709 | 34264998.90383934 | 0.30296191728242494 | 31160596.157244697 | 0.2704756905293475 | 26238291.68289642 | 0.3045307412055709 | 22331875.74077162 | 0.30514032091484705 À terme | 23789733.763962902 | 0.19531445184825486 | 24601156.218195956 | 0.19340266339403725 | 24578501.850660704 | 0.1828110283667572 | 23900210.241102997 | 0.17456651252122282 | 22515620.62730308 | 0.1990770702545428 | 20996925.583194997 | 0.1822544702755185 | 15636281.188554617 | 0.1814801191174051 | 13138787.514069289 | 0.179526963386935 104474926.956898 | 0.8577423897607271 | 108003519.7051389 | 0.8490726281984488 | 112714343.15257174 | 0.8383515443131573 | 115985103.85474831 | 0.8471521748170548 | 97068000.53195517 | 0.8582491898062624 | 93169033.22207573 | 0.8087123387988768 | 70212143.35644464 | 0.8149065616153549 | 59213001.8285549 | 0.8090800159392417 Obligations à vue Banques locales | 2275810.1933500003 | 0.018684472253243975 | 0 | 0 | 0 | 0 | 0 | 0 | 2124281.0729300003 | 0.018782322699258218 | 2344210.98401 | 0.020347880427158377 | 880532.45646 | 0.01021976601457329 | 4559376.3816 | 0.062298822920323446 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 687247.888766208 | 0.007976438080927451 | 0 | 0 Autres | 1528920.7969596423 | 0.012552487150147291 | 1683510.2548142478 | 0.013234961976763803 | 3284028.938525224 | 0.024426090373032554 | 3180921.766413789 | 0.02323336965508118 | 1640163.74646301 | 0.01450188732473244 | 5096594.495880357 | 0.04423872087250857 | 1655901.865180896 | 0.01921897311233638 | 2137934.7455001334 | 0.0292125078031789 3804730.9903096426 | 0.031236959403391266 | 1683510.2548142478 | 0.013234961976763803 | 3284028.938525224 | 0.024426090373032554 | 3180921.766413789 | 0.02323336965508118 | 3764444.8193930103 | 0.03328421002399066 | 7440805.479890357 | 0.06458660129966695 | 3223682.210407104 | 0.03741517720783712 | 6697311.127100133 | 0.09151133072350234 Obligations à terme Banques locales | 0 | 0 | 3023024.35248 | 0.023765588742622967 | 2951006.3766099997 | 0.021949120971766233 | 2690584.06942 | 0.019651955899369238 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 530526.76403353 | 0.0043556411827105875 | 789731.33464254 | 0.006208494516718099 | 905864.650602224 | 0.006737678697582382 | 979726.8818084379 | 0.00715589960319522 | 350813.56125417404 | 0.0031017992857525272 | 1057351.2193425 | 0.009177866807828046 | 555270.291067928 | 0.006444660168885002 | 568681.0344341879 | 0.0077703957947707755 530526.76403353 | 0.0043556411827105875 | 3812755.6871225396 | 0.029974083259341065 | 3856871.027212224 | 0.028686799669348614 | 3670310.951228438 | 0.026807855502564457 | 350813.56125417404 | 0.0031017992857525272 | 1057351.2193425 | 0.009177866807828046 | 555270.291067928 | 0.006444660168885002 | 568681.0344341879 | 0.0077703957947707755 Autres passifs | 1749540.4085097162 | 0.014363781001705704 | 1750269.689859218 | 0.013759793103799557 | 2915743.173664944 | 0.021686838818319273 | 1975849.3866187278 | 0.014431552409361175 | 1527273.975285982 | 0.013503746288354514 | 1316909.8946861718 | 0.011430850402628114 | 1235305.7456866088 | 0.014337388229991517 | 318025.970346732 | 0.0043454722647272076 110559725.11975089 | 0.9076987713485347 | 115250055.33693491 | 0.9060414665383532 | 122770986.29197413 | 0.9131512731738577 | 124812185.95900927 | 0.9116249523840617 | 102710532.88788833 | 0.90813894540436 | 102984099.81599477 | 0.893907657309 | 75226401.60360628 | 0.8731037872220686 | 66797019.96043595 | 0.9127072147222419 AVOIR DES ACTIONNAIRES Capital versé | 6431912.5 | 0.052806201058728144 | 6405950 | 0.05036055137329987 | 6405950 | 0.04764644787064383 | 6404700 | 0.04677976182911928 | 6431912.5 | 0.05686924281717851 | 6470050 | 0.056160390278750805 | 3234712.5 | 0.037543198586135404 | 3240025 | 0.04427134915797121 Réserves | 764605.71795 | 0.006277436652429721 | 1318888.34426 | 0.010368476840554816 | 1289213.7989700001 | 0.009588969328005808 | 1395127.22788 | 0.010189972901392074 | 766444.06311 | 0.0067766925515214144 | 1167947.59555 | 0.01013784944339172 | 648776.90215 | 0.007529930426742775 | 442597.63257 | 0.006047605906743905 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 4045976.30802 | 0.03321759094206501 | 4226851.039589999 | 0.03322950521414593 | 3981438.0579000004 | 0.029613309638059894 | 4299756.9795200005 | 0.0314053128835135 | 3191130.5522600003 | 0.028215119256953653 | 4584544.98592 | 0.03979410292961528 | 7049856.215559999 | 0.08182308378394372 | 2705951.74007 | 0.03697383022947623 11242494.525969999 | 0.09230122865322286 | 11951689.383849999 | 0.09395853342800062 | 11676601.85687 | 0.08684872683670952 | 12099584.207400002 | 0.08837504761402487 | 10389487.11537 | 0.09186105462565358 | 12222542.58147 | 0.10609234265175779 | 10933345.61771 | 0.1268962127968219 | 6388574.37264 | 0.08729278529419134 121802219.64572088 | 1.0000000000017575 | 127201744.7207849 | 0.9999999999663537 | 134447588.14884412 | 1.000000000010567 | 136911770.16640928 | 0.9999999999980866 | 113100020.00325833 | 1.0000000000300135 | 115206642.39746477 | 0.9999999999607577 | 86159747.22131628 | 1.0000000000188904 | 73185594.33307596 | 1.0000000000164333 #REF! [unibkgdes&$] UNIBANK (UNIBK) BILAN DEVISES ET GOURDES (En milliers de gourdes) Septembre 19 | Septembre 18 ACTIF | Devises converties * | Gourdes | Total | % devises/total | Devises converties * | Gourdes | Total | % devises/total Disponibilités Encaisse | 1148612.6814556199 | 1198291.1399 | 2346903.82135562 | 0.4894161707880119 | 507060.80782489805 | 851702.8285 | 1358763.6363248979 | 0.373178082095548 Avoirs à la BRH | 35310268.276822045 | 16740548.85496 | 52050817.13178205 | 0.6783806714777147 | 27220645.468769662 | 14441741.53265 | 41662387.00141966 | 0.653362599407521 Avoirs à l'étranger | 7380096.758453228 | 0 | 7380096.758453228 | 1 | 3033594.8964456515 | 0 | 3033594.8964456515 | 1 Avoirs dans les banques locales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! Autres liquidités | 191812.53667814395 | 204020.67698 | 395833.21365814394 | 0.48457918653536813 | 421664.832986078 | 624890.94653 | 1046555.779516078 | 0.4029071753643687 44030790.253409036 | 18142860.67184 | 62173650.92524904 | 0.7081905211959799 | 31182966.00602629 | 15918335.30768 | 47101301.31370629 | 0.662040434898816 Bons B.R.H. | 0 | 0 | 0 | 0 | 0 | 600000 | 600000 | 0 Bons du Trésor / M.E.F. | 0 | 25000.00004 | 25000.00004 | 0 | 0 | 207564.91037 | 207564.91037 | 0 Autres Placements | 18779223.934887514 | 11437710.96995 | 30216934.90483751 | 0.6214801069012825 | 17102306.507220488 | 9967133.547359997 | 27069440.054580487 | 0.6317938779944051 Portefeuille net | 26243425.823860005 | 12493357.080560002 | 38736782.90442 | 0.6774807781176257 | 18890973.78365 | 13259978.752770001 | 32150952.536420003 | 0.5875712006432984 Immobilisations | 0 | 2625048.9294 | 2625048.9294 | 0 | 0 | 2422617.05044 | 2422617.05044 | 0 Autres actifs | 414311.03651469 | 2720041.46621 | 3134352.5027246904 | 0.13218393149925853 | 354521.34503696597 | 3193622.78931 | 3548144.1343469657 | 0.09991740234143996 89467751.04867123 | 47444019.11799999 | 136911770.16667122 | 0.6534701212303118 | 67530767.64193374 | 45569252.35793 | 113100019.99986374 | 0.5970889098164183 PASSIF Dépôts À vue | 38885595.72390637 | 9935750.783629999 | 48821346.50753637 | 0.7964875716384379 | 27325931.58788275 | 12961449.41293 | 40287381.000812754 | 0.6782752045195363 Épargne | 29359712.913598955 | 13903834.19251 | 43263547.106108956 | 0.6786247286102268 | 21786895.43655934 | 12478103.46728 | 34264998.90383934 | 0.635835287714489 À terme | 16991206.393953 | 6909003.84715 | 23900210.241103 | 0.7109228840477703 | 16034623.12945308 | 6480997.497850001 | 22515620.62730308 | 0.7121555028338433 85236515.03145832 | 30748588.823289998 | 115985103.85474831 | 0.734891914553119 | 65147450.15389517 | 31920550.378060002 | 97068000.53195517 | 0.671152694985701 Obligations à vue Banques locales | 0 | 0 | 0 | 0 | 0 | 2124281.0729300003 | 2124281.0729300003 | 0 Banques à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1653579.279213789 | 1527342.4872 | 3180921.7664137892 | 0.5198428004968053 | 553276.6998330101 | 1086887.0466300002 | 1640163.7464630103 | 0.33733016049534287 1653579.279213789 | 1527342.4872 | 3180921.7664137892 | 0.5198428004968053 | 553276.6998330101 | 3211168.1195600005 | 3764444.819393011 | 0.14697431530480554 Obligations à terme Banques locales | 0 | 2690584.06942 | 2690584.06942 | 0 | 0 | 0 | 0 | 0 Banque à l'étranger | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 741426.8826184379 | 238299.99919 | 979726.8818084379 | 0.7567689489644994 | 349485.05051417404 | 1328.51074 | 350813.56125417404 | 0.996213057627389 741426.8826184379 | 2928884.06861 | 3670310.951228438 | 0.20200655815559315 | 349485.05051417404 | 1328.51074 | 350813.56125417404 | 0.996213057627389 Autres passifs | 1822687.7255987278 | 153161.66102 | 1975849.3866187278 | 0.9224831295050755 | 1469494.460955982 | 57779.51432999999 | 1527273.975285982 | 0.96216820605538 89454208.91888927 | 35357977.04012 | 124812185.95900926 | 0.7167105377696675 | 67519706.36519834 | 35190826.52269 | 102710532.88788834 | 0.6573786004878209 AVOIR DES ACTIONNAIRES Capital versé | 0 | 6404700 | 6404700 | 0 | 0 | 6431912.5 | 6431912.5 | 0 Réserves | 0 | 1395127.22788 | 1395127.22788 | 0 | 0 | 766444.06311 | 766444.06311 | 0 Réserves (Prov. Pour pertes sur prêts) | 0 | 0 | 0 | 0 Surplus d'apport | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BNR | 0 | 4299756.9795200005 | 4299756.9795200005 | 0 | 0 | 3191130.5522600003 | 3191130.5522600003 | 0 0 | 12099584.207400002 | 12099584.207400002 | 0 | 0 | 10389487.11537 | 10389487.11537 | 0 0 89454208.91888927 | 47457561.24752 | 136911770.16640925 | 0.6533712098686786 | 67519706.36519834 | 45580313.638059996 | 113100020.00325835 | 0.5969911089604859 *Converties au taux de 93.3162 gdes | *Converties au taux de 69.9774 Gdes #REF! [UNIBKRÉSULT ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS TRIMESTRIELLES (En milliers de gourdes) 2019 | 2018 TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 | TRIM 1 | Var. | TRIM 2 | Var. | TRIM 3 | Var. | TRIM 4 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 878529.25035 | 0.06483251154962542 | 935486.5081200001 | 0.04843883639868296 | 980800.38604 | 0.13540862501718448 | 1113609.2177300001 | 736485.00087 | 0.01454174549019825 | 747194.77831 | -0.0016816720304736956 | 745938.24175 | 0.058839852005750724 | 789829.1375 Intérêts sur Bons B.R.H. | 10392.57213 | -0.7395736141020173 | 2706.5 | -0.9567707371143543 | 117 | -1 | 0 | 22257.56395 | 0.24853648145982307 | 27789.38058 | 0.5333083192457397 | 42609.68843 | -0.8036749960342294 | 8365.347249999999 Autres | 99965.94513 | 0.12677202164716841 | 112638.83009 | 0.18135346517429385 | 133066.27224000002 | -0.003834456180449136 | 132556.03545000002 | 93528.94138 | -0.005751418780786452 | 92991.01727 | 0.20427878721710024 | 111987.10950000002 | -0.08970641696935673 | 101941.14716000001 988887.76761 | 0.0626401424195085 | 1050831.8382100002 | 0.060096980100615795 | 1113983.65828 | 0.11865667320837507 | 1246165.2531800002 | 852271.5062 | 0.0184256658186515 | 867975.1761599999 | 0.03751243631649454 | 900535.03968 | -0.00044352274192681736 | 900135.63191 Dépenses d'intérêt | 186470.29941000004 | 0.25445133750589916 | 233917.91650000002 | 0.2330914799764814 | 288442.18985 | 0.03060803145542338 | 297270.83747 | 197528.61886000002 | -0.011007635412775555 | 195354.29584000004 | 0.17504153447440246 | 229549.41155000002 | -0.1918835515742798 | 185502.6552 802417.4682 | 0.01806597448896382 | 816913.9217100001 | 0.010561145416570236 | 825541.4684300001 | 0.14942065540885607 | 948894.4157100002 | 654742.8873399999 | 0.027305364175290628 | 672620.8803199999 | -0.0024311647732699333 | 670985.6281300001 | 0.065049602778591 | 714632.97671 AUTRES REVENUS Commissions | 362006.65398999996 | -0.13643627009509143 | 312615.81637 | 0.18851291074873272 | 371547.93386000005 | 0.23346234578358516 | 458290.38607 | 320718.94445 | -0.010875228234432273 | 317231.05273000005 | 0.07438336098226614 | 340827.76463999995 | 0.19947047380899097 | 408812.84034 Gains sur change | 202956.77305999998 | 0.18925363653000543 | 241367.08042 | -0.654326165752111 | 83434.28414999999 | -0.3438528829278629 | 54745.16501 | 203217.19941 | -0.09446289893637502 | 184020.71364 | 0.25363459529511695 | 230694.73287 | -0.17127199311596492 | 191183.18617 Autres | 600103.86144 | -0.07136301419097223 | 557278.64106 | 0.5069040325189598 | 839765.43145 | -0.5654095240859774 | 364954.05851 | 75527.57511 | 0.32091629374700836 | 99765.60459 | 0.8569778130585278 | 185262.51423000003 | 0.4691248106570618 | 272173.75614 1165067.28849 | -0.046182526255402465 | 1111261.53785 | 0.16511514648927525 | 1294747.64946 | -0.3218836041477404 | 877989.60959 | 599463.71897 | 0.0025917364818500285 | 601017.3709600001 | 0.2591732756928365 | 756785.01174 | 0.15246704033515054 | 872169.78265 PRODUIT NET BANCAIRE | 1967484.75669 | -0.019979467183335074 | 1928175.45956 | 0.09963494627913147 | 2120289.1178900003 | -0.1383797568522076 | 1826884.0253000003 | 1254206.60631 | 0.015493177019031855 | 1273638.25128 | 0.12101739912027441 | 1427770.63987 | 0.1113849206932004 | 1586802.75936 Dotation à la provision pour créances douteuses | 17931 | -0.44509508672132064 | 9950 | 1.1695768844221106 | 21587.29 | 7.254905085353464 | 178201.03 | 7700 | 0.0212987012987013 | 7864 | 1.4242115971515767 | 19064 | -0.5602182123373899 | 8384 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1949553.75669 | -0.016069470781451954 | 1918225.45956 | 0.09408506566866108 | 2098701.8278900003 | -0.2144272362131792 | 1648682.9953000003 | 1246506.60631 | 0.01545731476469067 | 1265774.25128 | 0.11292091654215697 | 1408706.63987 | 0.12047371304053875 | 1578418.75936 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 420897.77718 | 0.11173349715716838 | 467926.15777 | 0.2465955498190316 | 583314.66592 | -0.10376165582008692 | 522788.97032 | 367098.87367 | 0.09416021897433803 | 401664.98400000005 | 0.021189479190448807 | 410176.05582 | -0.08765100882869964 | 374223.71073 Frais de locaux | 49924.581009999994 | 0.17089600408045563 | 58456.49240999999 | 0.04354286949253528 | 61001.85583 | 0.06504588206394565 | 64969.775349999996 | 47808.121399999996 | -0.00912907571390155 | 47371.67744 | 0.019962809870893192 | 48317.34923 | -0.003769947294354056 | 48135.19537 Amortissement | 87037.31184000001 | 0.007592833303662277 | 87698.17164 | 0.033132098944178234 | 90603.79614 | 0.02345488964630481 | 92728.89818 | 86290.92408 | 0.022771450774803224 | 88255.89361 | 0.04780357942602 | 92474.84123 | -0.001242071772952009 | 92359.98084 Autres dépenses d'exploitation | 396418.49886 | 0.13685210217487687 | 450669.20377 | 0.1524263059586783 | 519363.04571 | 0.16346195204154745 | 604259.14298 | 355325.9962 | 0.06529388918378279 | 378526.61242 | -0.041522511797824596 | 362809.23669 | 0.3395749887571587 | 486010.17916000006 954278.1688899999 | 0.11576483702702652 | 1064750.02559 | 0.17800735708362694 | 1254283.3636 | 0.024287512785440307 | 1284746.78683 | 856523.9153499999 | 0.06922778343646187 | 915819.1674700001 | -0.0022293533183416047 | 913777.48297 | 0.09515618928077124 | 1000729.0661 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 995275.5878000001 | -0.1424732562198588 | 853475.4339700001 | -0.01061186921089309 | 844418.4642900003 | -0.5690096511852056 | 363936.2084700002 | 389982.69096000004 | -0.10263944548786588 | 349955.08380999987 | 0.41426480081858325 | 494929.15690000006 | 0.1672169343959697 | 577689.69326 Impôts sur le revenu | 142268.18023 | -0.11815118540790517 | 125459.02609 | -0.6025519816786264 | 49863.4413 | -2.692871219459937 | -84412.38468 | 63473.22043 | -0.34351773286887566 | 41669.04365 | -3.5232703914000196 | -105142.26408 | -0.28324526945073564 | -134923.313 BÉNÉFICE NET (PERTE NETTE) | 853007.40757 | -0.14652979397455335 | 728016.4078800001 | 0.09139713664388714 | 794555.0229900003 | -0.43572366900052584 | 448348.5931500002 | 326509.47053000005 | -0.05581286919616563 | 308286.04015999986 | 0.9464761384218505 | 600071.42098 | 0.18754698415099294 | 712613.0062599999 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 | 2018 | 2019 (oct.18 - sept. 19) | 2018 (oct.17 - sept. 18) | 2018 TRIM 1 | TRIM 1 | TRIM 2 | TRIM 2 | TRIM 3 | Var. | TRIM 3 | TRIM 4 | Var. | TRIM 4 | CUMUL | Var. | CUMUL | CUMUL REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 878529.25035 | 0.19286781035894146 | 736485.00087 | 935486.5081200001 | 0.25199818745505304 | 747194.77831 | 980800.38604 | 0.3148546771633591 | 745938.24175 | 1113609.2177300001 | 0.4099368646424496 | 789829.1375 | 3908425.36224 | 0.29441753975659435 | 3019447.15843 | 3019447.15843 Intérêts sur Bons B.R.H. | 10392.57213 | -0.5330768383572363 | 22257.56395 | 2706.5 | -0.9026066812749376 | 27789.38058 | 117 | -0.9972541456107521 | 42609.68843 | 0 | -1 | 8365.347249999999 | 13216.07213 | -0.869176271317123 | 101021.98021000001 | 101021.98021000001 Autres | 99965.94513 | 0.06882365666737314 | 93528.94138 | 112638.83009 | 0.21128721242991094 | 92991.01727 | 133066.27224000002 | 0.1882284740995123 | 111987.10950000002 | 132556.03545000002 | 0.3003192444160839 | 101941.14716000001 | 478227.08291000006 | 0.1942295273804352 | 400448.21531 | 400448.21531 988887.76761 | 0.16029664304879473 | 852271.5062 | 1050831.8382100002 | 0.21067038214039088 | 867975.1761599999 | 1113983.65828 | 0.23702422359472852 | 900535.03968 | 1246165.2531800002 | 0.38441942414362507 | 900135.63191 | 4399868.51728 | 0.2496369766657358 | 3520917.35395 | 3520917.35395 Dépenses d'intérêt | 186470.29941000004 | -0.05598337857987886 | 197528.61886000002 | 233917.91650000002 | 0.1974034944774623 | 195354.29584000004 | 288442.18985 | 0.25655817587304985 | 229549.41155000002 | 297270.83747 | 0.6025152693879069 | 185502.6552 | 1006101.24323 | 0.24527501139305916 | 807934.9814500002 | 807934.9814500002 802417.4682 | 0.2255459107924826 | 654742.8873399999 | 816913.9217100001 | 0.21452358321280887 | 672620.8803199999 | 825541.4684300001 | 0.23034150631622116 | 670985.6281300001 | 948894.4157100002 | 0.3278066456973258 | 714632.97671 | 3393767.27405 | 0.25093598412239615 | 2712982.3724999996 | 2712982.3724999996 AUTRES REVENUS Commissions | 362006.65398999996 | 0.1287348635136104 | 320718.94445 | 312615.81637 | -0.014548501227362926 | 317231.05273000005 | 371547.93386000005 | 0.09013399847998986 | 340827.76463999995 | 458290.38607 | 0.12102737695041747 | 408812.84034 | 1504460.79029 | 0.08422526640644101 | 1387590.60216 | 1387590.60216 Gains sur change | 202956.77305999998 | -0.0012815172670232566 | 203217.19941 | 241367.08042 | 0.31162995537658217 | 184020.71364 | 83434.28414999999 | -0.6383346810218832 | 230694.73287 | 54745.16501 | -0.7136507341115206 | 191183.18617 | 582503.30264 | -0.28007427424160614 | 809115.83209 | 809115.83209 Autres | 600103.86144 | 6.945493557366243 | 75527.57511 | 557278.64106 | 4.585879455652182 | 99765.60459 | 839765.43145 | 3.5328405206001174 | 185262.51423000003 | 364954.05851 | 0.34088629148460553 | 272173.75614 | 2362101.99246 | 2.733194325313412 | 632729.45007 | 632729.45007 1165067.28849 | 0.943515932026414 | 599463.71897 | 1111261.53785 | 0.848967420151253 | 601017.3709600001 | 1294747.64946 | 0.7108526587796927 | 756785.01174 | 877989.60959 | 0.006672814233849171 | 872169.78265 | 4449066.08539 | 0.5724215947233757 | 2829435.88432 | 2829435.88432 PRODUIT NET BANCAIRE | 1967484.75669 | 0.5687086535754543 | 1254206.60631 | 1928175.45956 | 0.5139113933035487 | 1273638.25128 | 2120289.1178900003 | 0.4850348218976227 | 1427770.63987 | 1826884.0253000003 | 0.15129874492834353 | 1586802.75936 | 7842833.35944 | 0.41505620760203665 | 5542418.25682 | 5542418.25682 Dotation à la provision pour créances douteuses | 17931 | 1.3287012987012987 | 7700 | 9950 | 0.26525940996948116 | 7864 | 21587.29 | 0.13235889634913978 | 19064 | 178201.03 | 20.254893845419847 | 8384 | 227669.32 | 4.293158188412536 | 43012 | 43012 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 1949553.75669 | 0.5640139786031392 | 1246506.60631 | 1918225.45956 | 0.5154562179000056 | 1265774.25128 | 2098701.8278900003 | 0.48980757844917605 | 1408706.63987 | 1648682.9953000003 | 0.04451558594532306 | 1578418.75936 | 7615164.0394399995 | 0.3847247655137638 | 5499406.25682 | 5499406.25682 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 420897.77718 | 0.1465515352094542 | 367098.87367 | 467926.15777 | 0.16496626892923263 | 401664.98400000005 | 583314.66592 | 0.4221080378616237 | 410176.05582 | 522788.97032 | 0.3969958485532439 | 374223.71073 | 1994927.57119 | 0.2844284659266689 | 1553163.62422 | 1553163.62422 Frais de locaux | 49924.581009999994 | 0.04426987608009208 | 47808.121399999996 | 58456.49240999999 | 0.23399667415281616 | 47371.67744 | 61001.85583 | 0.2625248860325362 | 48317.34923 | 64969.775349999996 | 0.3497353620484535 | 48135.19537 | 234352.7046 | 0.22292876240578735 | 191632.34344 | 191632.34344 Amortissement | 87037.31184000001 | 0.008649667018376567 | 86290.92408 | 87698.17164 | -0.006319373666585423 | 88255.89361 | 90603.79614 | -0.02023301759822875 | 92474.84123 | 92728.89818 | 0.003994341885357194 | 92359.98084 | 358068.1778 | -0.00365478314606498 | 359381.63976000005 | 359381.63976000005 Autres dépenses d'exploitation | 396418.49886 | 0.1156473297745165 | 355325.9962 | 450669.20377 | 0.19058789787269456 | 378526.61242 | 519363.04571 | 0.43150447449541196 | 362809.23669 | 604259.14298 | 0.2433055291647936 | 486010.17916000006 | 1970709.89132 | 0.2451789510716503 | 1582672.02447 | 1582672.02447 954278.1688899999 | 0.11412904156920685 | 856523.9153499999 | 1064750.02559 | 0.16262037682769778 | 915819.1674700001 | 1254283.3636 | 0.3726354467865336 | 913777.48297 | 1284746.78683 | 0.28381080389406715 | 1000729.0661 | 4558058.3449099995 | 0.23630166673583294 | 3686849.6318900003 | 3686849.6318900003 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 995275.5878000001 | 1.5521019544482402 | 389982.69096000004 | 853475.4339700001 | 1.438814217750799 | 349955.08380999987 | 844418.4642900003 | 0.7061400657399826 | 494929.15690000006 | 363936.2084700002 | -0.37001436460420983 | 577689.69326 | 3057105.69453 | 0.6866263114114103 | 1812556.6249299995 | 1812556.6249299995 Impôts sur le revenu | 142268.18023 | 1.2413890340871743 | 63473.22043 | 125459.02609 | 2.010844864686497 | 41669.04365 | 49863.4413 | 1.4742473612900349 | -105142.26408 | -84412.38468 | 0.37436768484924465 | -134923.313 | 233178.26294 | 2.728228115329484 | -134923.313 | -134923.313 BÉNÉFICE NET (PERTE NETTE) | 853007.40757 | 1.6125043362000269 | 326509.47053000005 | 728016.4078800001 | 1.3614965098716794 | 308286.04015999986 | 794555.0229900003 | 0.3241007573604847 | 600071.42098 | 448348.5931500002 | -0.3708386049490398 | 712613.0062599999 | 2823927.43159 | 0.4500418600417458 | 1947479.9379299995 | 1947479.9379299995 [UNIBKVARAN ] UNIBANK (UNIBK) RÉSULTATS ANALYSE DES VARIATIONS ANNUELLES (En milliers de gourdes) CUMUL (Octobre-Septembre) | ANNÉE 2019 | Var. | 2018 | 2018 | Var. | 2017 | Var. | 2016 | Var. | 2015 REVENUS NETS D'INTÉRÊT Revenus d'intérêt Prêts | 3908425.36224 | 0.29441753975659435 | 3019447.15843 | 3019447.15843 | 0.05063079528702787 | 2873937.42119 | 0.0035663773643214943 | 2863724.2996699996 | 0.22901201252764972 | 2330102.774 Intérêts sur Bons B.R.H. | 13216.07213 | -0.869176271317123 | 101021.98021000001 | 101021.98021000001 | 1.5128063993615453 | 40202.85058 | 41.951763440170936 | 936 | -0.9446328528847762 | 16905.33193 Autres | 478227.08291000006 | 0.1942295273804352 | 400448.21531 | 400448.21531 | 0.4626234953371609 | 273787.62653999997 | 0.7150373506567091 | 159639.45417 | 1.2806018226097222 | 69998.82776 4399868.51728 | 0.2496369766657358 | 3520917.35395 | 3520917.35395 | 0.10445325812309803 | 3187927.89831 | 0.05410447303123293 | 3024299.7538399994 | 0.25125820355958056 | 2417006.93369 Dépenses d'intérêt | 1006101.24323 | 0.24527501139305916 | 807934.9814500002 | 807934.9814500002 | -0.2898761457632684 | 1137738.1236100001 | 0.1382716663825293 | 999531.26939 | 1.2372109011273265 | 446775.61194 3393767.27405 | 0.25093598412239615 | 2712982.3724999996 | 2712982.3724999996 | 0.3232835350068921 | 2050189.7747 | 0.012555158994834854 | 2024768.4844499994 | 0.027680588618172252 | 1970231.32175 AUTRES REVENUS Commissions | 1504460.79029 | 0.08422526640644101 | 1387590.60216 | 1387590.60216 | -0.01013597471387617 | 1401799.2034399996 | 0.18993176289535219 | 1178050.0757700002 | 0.19964625614127612 | 981997.87624 Gains sur change | 582503.30264 | -0.28007427424160614 | 809115.83209 | 809115.83209 | 0.3886833193910182 | 582649.6370999999 | 0.41137369342600283 | 412824.49844 | -0.15472163990671173 | 488388.81713999994 Autres | 2362101.99246 | 2.733194325313412 | 632729.45007 | 632729.45007 | -0.9297336562199601 | 9004729.94654 | 0.9974112207937909 | 4508200.340919999 | 3.7646428597721906 | 946178.01871 4449066.08539 | 0.5724215947233757 | 2829435.88432 | 2829435.88432 | -0.7425252660693287 | 10989178.78708 | 0.8017779646908582 | 6099074.91513 | 1.5238616142230799 | 2416564.71209 PRODUIT NET BANCAIRE | 7842833.35944 | 0.41505620760203665 | 5542418.25682 | 5542418.25682 | -0.5749473426906949 | 13039368.561779998 | 0.6050738450293283 | 8123843.399579999 | 0.8518853707608466 | 4386796.03384 Dotation à la provision pour créances douteuses | 227669.32 | 4.293158188412536 | 43012 | 43012 | 1.4688825177417069 | -91733 | -3.955656136297914 | 31036.425000000003 | -0.7228594707705022 | 111988.04118 BÉNÉFICE AVANT DÉPENSES D'EXPLOITATION ET IMPÔTS SUR LE REVENU | 7615164.0394399995 | 0.3847247655137638 | 5499406.25682 | 5499406.25682 | -0.5811923142208548 | 13131101.561779998 | 0.6225645320623104 | 8092806.974579999 | 0.8931392915133596 | 4274807.99266 DÉPENSES D'EXPLOITATION Salaires et avantages sociaux | 1994927.57119 | 0.2844284659266689 | 1553163.62422 | 1553163.62422 | 0.0389360456254049 | 1494955.9511 | 0.22152040450430174 | 1223848.5297400001 | 0.32996288627365733 | 920212.54305 Frais de locaux | 234352.7046 | 0.22292876240578735 | 191632.34344 | 191632.34344 | 0.06673579108736004 | 179643.68031999998 | 0.4813720919124067 | 121268.43843 | 0.26303967271102136 | 96013.16653 Amortissement | 358068.1778 | -0.00365478314606498 | 359381.63976000005 | 359381.63976000005 | 0.20882922509812574 | 297297.2793 | 0.29697196845348317 | 229224.13632000002 | 0.15367070811378356 | 198691.12972 Autres dépenses d'exploitation | 1970709.89132 | 0.2451789510716503 | 1582672.02447 | 1582672.02447 | 0.14112556354793526 | 1386939.41756 | 0.2710522389874787 | 1091174.2059199999 | 0.09382819461942646 | 997573.6695100002 4558058.3449099995 | 0.23630166673583294 | 3686849.6318900003 | 3686849.6318900003 | 0.09765682860110365 | 3358836.32828 | 0.2601076854303851 | 2665515.3104100004 | 0.20475785084549883 | 2212490.5088100005 BÉNÉFICE AVANT IMPÔTS SUR LE REVENU | 3057105.69453 | 0.6866263114114103 | 1812556.6249299995 | 1812556.6249299995 | -0.8145203203535214 | 9772265.233499998 | 0.8005786012966157 | 5427291.664169999 | 1.6316470216982106 | 2062317.4838499995 Impôts sur le revenu | 233178.26294 | 2.728228115329484 | -134923.313 | -134923.313 | 0.1158298934661977 | -152598.81781 | -1.9678975743392497 | 157660.0891 | -0.39762543202262596 | 261730.98514 BÉNÉFICE NET (PERTE NETTE) | 2823927.43159 | 0.4500418600417458 | 1947479.9379299995 | 1947479.9379299995 | -0.8037776711235709 | 9924864.05131 | 0.8834075798132365 | 5269631.575069998 | 1.926619509168451 | 1800586.4987099995 [pageint.sect5] SECTION 5 RESPECT DES NORMES PRUDENTIELLES LIMITE RELATIVE À LA POSITION NETTE DE CHANGE DES BANQUES LIMITES SUR LA CONCENTRATION DES RISQUES DE CRÉDIT CLASSIFICATION DES PRÊTS SUFFISANCE DES FONDS PROPRES [posinette] Circulaire 81-3 - POSITION NETTE DE CHANGE DES BANQUES AU 31 mars 2016 Circulaire 81-5 - POSITION NETTE DE CHANGE DES BANQUES Trim 4 2019 | Trim 3 2019 Juillet1 | Nombre de jours de dépassement | Aout1 | Nombre de jours de dépassement | Septembre 1 | Nombre de jours de dépassement | Avril1 | Nombre de jours de dépassement | Mai1 | Nombre de jours de dépassement | Juin 1 | Nombre de jours de dépassement BNC | 0.0041 | 0 | 0.0019 | 0 | 0.0029 | 0 | BNC | 0.0047 | 0 | 0.0047 | 0 | 0.0035 | 0 BPH | 0 | 0 | 0 | 0 | 0 | 0 | BPH | 0 | 0 | 0 | 0 | 0 | 0 BUH | 0.0012 | 0 | 0.0016 | 0 | 0.001 | 0 | BUH | 0.0016 | 0 | 0.0023 | 1 | 0.0027 | 2 CAPITALBK | 0.0024 | 5 | 0.0006 | 9 | 0.0286 | 10 | CAPITALBK | 0.003 | 4 | 0.0027 | 5 | 0.0041 | 8 CBNA | 0.0028 | 4 | 0.0045 | 0 | 0.0023 | 0 | CBNA | 0.0002 | 0 | 0.0002 | 0 | 0.0019 | 4 SCOTIA | 1 | 1 | 0 | SCOTIA | 1 | 1 | 0 SOGEBK | 0.001 | 0 | 0.0005 | 3 | 0.0098 | 2 | SOGEBK | 0.15 | 0 | 0.0018 | 0 | 0.0049 | 7 SOGEBL | 0.0003 | 10 | 0.0001 | 5 | 0.0041 | 17 | SOGEBL | 0.0017 | 1 | 0.0027 | 5 | 0.0029 | 4 UNIBK | 0.0038 | 0 | 0.0046 | 3 | 0.0011 | 3 | UNIBK | 0.0024 | 0 | 0.0021 | 0 | 0.0029 | 3 1 Position de chaque banque le dernier jour du mois [Apparentés sept 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 septembre 2019 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 53 | 98900750 | 0 | 0 | 0 | 0 | 53 | 98900750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 11 | 194403000 | 4 | 794336000 | 2 | 593953000 | 17 | 1582692000 | 0.12283059496099051 | 0.5018891862725028 | 0 | 0.6247197812334933 CAPITALBK | 9 | 324150000 | 4 | 924314000 | 0 | 0 | 13 | 1248464000 | 0.25963904445782976 | 0.7403609555421702 | 0 | 1 SOGEBK | 21 | 929659000 | 2 | 836366000 | 1 | 673312000 | 24 | 2439337000 | 0.3811113429591729 | 0.3428661148500597 | 0.2760225421907674 | 1 SOGEBL | 6 | 60471815 | 1 | 29977051 | 0 | 0 | 7 | 90448866 | 0.6685746065627843 | 0.33142539343721567 | - | 1 UNIBK | 7 | 644375000 | 0 | 0 | 0 | 0 | 7 | 644375000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 98900750 | 6427681000 | 0.015386692338963306 BPH | 0 | 0 | 0 BUH | 1582692000 | 2925143000 | 0.5410648299929268 CAPITALBK | 1248464000 | 3989303000 | 0.3129529143311501 SOGEBK | 2439337000 | 6328604000 | 0.38544630063754975 SOGEBL | 90448866 | 561101892 | 0.16119864732161696 UNIBK | 644375000 | 12884842000 | 0.05001031444545459 CBNA | 0 | 655443000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés juin 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2019 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 50 | 102680500 | 0 | 0 | 0 | 0 | 50 | 102680500 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 12 | 347796000 | 5 | 1095816000 | 0 | 17 | 1443612000 | 0.24092069060107563 | 0.7590793093989243 | 0 | 1 CAPITALBK | 8 | 129107000 | 5 | 1053589000 | 0 | 0 | 13 | 1182696000 | 0.1091633014739206 | 0.8908366985260794 | 0 | 1 SOGEBK | 21 | 775032000 | 3 | 1331254000 | 1 | 743274000 | 25 | 2849560000 | 0.2719830429961117 | 0.46717879251533573 | 0.2608381644885526 | 1 SOGEBL | 7 | 84535918 | 0 | 0 | 0 | 0 | 7 | 84535918 | 1 | 0 | - | 1 UNIBK | 5 | 618493000 | 1 | 1024876000 | 0 | 0 | 6 | 1643369000 | 0.3763567403303823 | 0.6236432596696178 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 102680500 | 6234901000 | 0.016468665661251075 BPH | 0 | -44003000 | 0 BUH | 1443612000 | 2854787000 | 0.5056811593999833 CAPITALBK | 1182696000 | 3016888000 | 0.3920251597009899 SOGEBK | 2849560000 | 6215230000 | 0.4584802171440156 SOGEBL | 84535918 | 521203600 | 0.16219365714281328 UNIBK | 1643369000 | 12869869000 | 0.12769119872160314 CBNA | 0 | 656812000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés mars 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2019 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 50 | 100504250 | 0 | 0 | 0 | 0 | 50 | 100504250 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 10 | 417144000 | 4 | 894960000 | 0 | 14 | 1312104000 | 0.3179199209818734 | 0.6820800790181266 | 0 | 1 CAPITALBK | 9 | 165729250 | 4 | 732672620 | 0 | 0 | 13 | 898401870 | 0.1844711765793631 | 0.8155288234206369 | 0 | 1 SOGEBK | 21 | 665151000 | 3 | 1267321000 | 1 | 772658000 | 25 | 2705130000 | 0.24588504064499672 | 0.4684880209084221 | 0.2856269384465811 | 1 SOGEBL | 7 | 80822187 | 0 | 0 | 0 | 0 | 7 | 80822187 | 1 | 0 | - | 1 UNIBK | 7 | 1118513000 | 1 | 958458000 | 0 | 0 | 8 | 2076971000 | 0.5385308701951063 | 0.46146912980489374 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 100504250 | 6160626000 | 0.016313967119575185 BPH | 0 | -37246000 | 0 BUH | 1312104000 | 2871356000 | 0.45696319091049664 CAPITALBK | 898401870 | 2799583000 | 0.3209056027272633 SOGEBK | 2705130000 | 6001817000 | 0.4507185074120054 SOGEBL | 80822187 | 531942857 | 0.15193772401760064 UNIBK | 2076971000 | 11347220000 | 0.18303787183116216 CBNA | 0 | 651391000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés déc18 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DECEMBRE 2018 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 49 | 107945250 | 0 | 0 | 0 | 0 | 49 | 107945250 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 8 | 126309000 | 5 | 846352000 | 0 | 13 | 972661000 | 0.12985922124974683 | 0.8701407787502532 | 0 | 1 CAPITALBK | 8 | 136282510 | 5 | 1022523030 | 0 | 0 | 13 | 1158805540 | 0.11760602214587272 | 0.8823939778541273 | 0 | 1 SOGEBK | 24 | 912151000 | 3 | 1275289000 | 0 | 0 | 27 | 2187440000 | 0.4169947518560509 | 0.583005248143949 | 0 | 1 SOGEBL | 6 | 61184091 | 0 | 0 | 0 | 0 | 6 | 61184091 | 1 | 0 | - | 1 UNIBK | 5 | 588130000 | 0 | 0 | 0 | 0 | 5 | 588130000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 107945250 | 5836408000 | 0.018495151469876677 BPH | 0 | -36539000 | 0 BUH | 972661000 | 2541564000 | 0.38270175372329795 CAPITALBK | 1158805540 | 2844242000 | 0.4074215696132748 SOGEBK | 2187440000 | 6351222000 | 0.3444124610980375 SOGEBL | 61184091 | 608108264 | 0.10061381274042347 UNIBK | 588130000 | 11347220000 | 0.05183031614791993 CBNA | 0 | 325679000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés sept 18 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2018 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 50 | 118856500 | 0 | 0 | 0 | 0 | 50 | 118856500 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 9 | 84255000 | 6 | 1077839000 | 0 | 15 | 1162094000 | 0.07250274074214307 | 0.927497259257857 | 0 | 1 CAPITALBK | 10 | 309545410 | 3 | 507393590 | 0 | 0 | 13 | 816939000 | 0.3789088414190044 | 0.6210911585809956 | 0 | 1 SOGEBK | 24 | 718209000 | 3 | 1232600000 | 0 | 0 | 27 | 1950809000 | 0.3681595686712538 | 0.6318404313287461 | 0 | 1 SOGEBL | 5 | 47324012 | 1 | 42639346 | 0 | 0 | 6 | 89963358 | 0.5260365225584398 | 0.47396347744156014 | - | 1 UNIBK | 7 | 1385071000 | 0 | 0 | 0 | 0 | 7 | 1385071000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 118856500 | 5446416000 | 0.021822883158392602 BPH | 0 | 0 | 0 BUH | 1162094000 | 2535310000 | 0.458363671503682 CAPITALBK | 816939000 | 2634931000 | 0.31004189483519684 SOGEBK | 1950809000 | 5892961000 | 0.33104054141882155 SOGEBL | 89963358 | 539646851 | 0.16670783463906472 UNIBK | 1385071000 | 10839359000 | 0.1277816335818382 CBNA | 0 | 531640000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés juin 18 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2018 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 50 | 124974750 | 0 | 0 | 0 | 0 | 50 | 124974750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 10 | 84785000 | 6 | 834848000 | 0 | 16 | 919633000 | 0.09219438623885833 | 0.9078056137611417 | 0 | 1 CAPITALBK | 11 | 415331440 | 2 | 324115720 | 0 | 0 | 13 | 739447160 | 0.5616783219506855 | 0.43832167804931454 | 0 | 1 SOGEBK | 25 | 945958905.55 | 1 | 320930536.98 | 1 | 653489862.98 | 27 | 1920379305.51 | 0.4925896164553696 | 0.16711830629458366 | 0.34029207725004673 | 1 SOGEBL | 5 | 48225614.1 | 1 | 40878234.02 | 0 | 0 | 6 | 89103848.12 | 0.5412293084699606 | 0.4587706915300394 | - | 1 UNIBK | 8 | 894407000 | 1 | 705097000 | 0 | 0 | 9 | 1599504000 | 0.5591777200932289 | 0.4408222799067711 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 124974750 | 5108336000 | 0.02446486487967902 BPH | 0 | -44411179.12 | 0 BUH | 919633000 | 2031872000 | 0.4526038057515434 CAPITALBK | 739447160 | 2534410770 | 0.29176294890823873 SOGEBK | 1920379305.51 | 5696183472 | 0.3371343839168388 SOGEBL | 89103848.12 | 523750866.35 | 0.17012639757707965 UNIBK | 1599504000 | 13439818000 | 0.119012325910961 CBNA | 0 | 507809000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés mars 18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2018 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 52 | 3 | 1045426000 | 6 | 4469337000 | 2 | 3498367000 | 11 | 0.2727272727272727 | 0.5454545454545454 | 0.18181818181818182 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 8 | 858188000 | 5 | 1075711000 | 2 | 1076965000 | 15 | 0.5333333333333333 | 0.3333333333333333 | 0.13333333333333333 | 1 CAPITALBK | 10 | 6 | 1018505080 | 5 | 1676728270 | 0 | 0 | 11 | 0.5454545454545454 | 0.45454545454545453 | 0 | 1 SOGEBK | 26 | 13 | 4961236000 | 3 | 2731424000 | 0 | 0 | 16 | 0.8125 | 0.1875 | 0 | 1 SOGEBL | 5 | 7 | 249099193.67999998 | 1 | 53645057.79 | 0 | 0 | 8 | 0.875 | 0.125 | - | 1 UNIBK | 6 | 5 | 4781519000 | 3 | 4644359000 | 0 | 0 | 8 | 0.625 | 0.375 | - | 1 CBNA | 0 | 2 | 65962000 | 3 | 280270000 | 0 | 0 | 5 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 125261500 | 4989272000 | 0.025106167793617986 BPH | 0 | -45030000 | 0 BUH | 755161000 | 1496676000 | 0.5045587688985459 CAPITALBK | 745553350 | 2246991000 | 0.3318007726777722 SOGEBK | 1921436000 | 5479827000 | 0.35063807671300573 SOGEBL | 89003304.81 | 496930144.96 | 0.17910627019249206 UNIBK | 1647963000 | 13031372000 | 0.12646120454546153 CBNA | 0 | 598461000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés déc. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU31 DECEMBRE 2017 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 53 | 137867750 | 0 | 0 | 0 | 0 | 53 | 137867750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 8009000 | 5 | 571705000 | 1 | 154658000 | 13 | 734372000 | 0.010905916892256241 | 0.7784950951288993 | 0.21059898797884452 | 1 CAPITALBK | 11 | 351935730 | 1 | 175808990 | 0 | 0 | 12 | 527744720 | 0.6668673634479944 | 0.3331326365520057 | 0 | 1 SOGEBK | 22 | 1136703572.7 | 0 | 0 | 1 | 627123442.71 | 23 | 1763827015.41 | 0.6444529779672153 | 0 | 0.3555470220327846 | 1 SOGEBL | 5 | 50405130.74 | 1 | 39112356.15 | 0 | 0 | 6 | 89517486.89 | 0.563075802183079 | 0.43692419781692104 | - | 1 UNIBK | 6 | 1468197000 | 0 | 0 | 0 | 0 | 6 | 1468197000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 137867750 | 4745132000 | 0.02905456581608267 BPH | 0 | -44045000 | 0 BUH | 734372000 | 1457229000 | 0.5039509919168504 CAPITALBK | 527744720 | 2481279050 | 0.2126905960053143 SOGEBK | 1763827015.41 | 5804910517.94 | 0.3038508535073738 SOGEBL | 89517486.89 | 590705431.33 | 0.15154336178769734 UNIBK | 1468197000 | 13031372000 | 0.11266634088874142 CBNA | 0 | 586280000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés sept. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2017 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 55 | 152564250 | 0 | 0 | 0 | 0 | 55 | 152564250 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 5 | 61109000 | 5 | 473144000 | 1 | 143693000 | 11 | 677946000 | 0.09013844760497149 | 0.6979080929749567 | 0.2119534594200718 | 1 CAPITALBK | 6 | 174107480 | 2 | 305552370 | 0 | 0 | 8 | 479659850 | 0.3629811417403395 | 0.6370188582596604 | 0 | 1 SOGEBK | 21 | 595360396 | 3 | 1258690221 | 0 | 0 | 24 | 1854050617 | 0.32111334531057195 | 0.678886654689428 | 0 | 1 SOGEBL | 5 | 54666094 | 1 | 38595477 | 0 | 0 | 6 | 93261571 | 0.5861588370626954 | 0.4138411629373046 | - | 1 UNIBK | 7 | 1509522000 | 0 | 0 | 0 | 0 | 7 | 1509522000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 152564250 | 4266484000 | 0.03575877701639101 BPH | 0 | -46711000 | 0 BUH | 677946000 | 1389154000 | 0.4880279652219984 CAPITALBK | 479359850 | 2187573000 | 0.2191286187935214 SOGEBK | 1854050617 | 5289347398 | 0.3505254008653413 SOGEBL | 93261570 | 567604020 | 0.1643074515222778 UNIBK | 1509522000 | 16630099000 | 0.09077047587028797 CBNA | 0 | 576396000 | 0 [Apparentés juin 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2017 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 56 | 166714750 | 0 | 0 | 0 | 0 | 56 | 166714750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 65421000 | 5 | 550439000 | 1 | 158300000 | 13 | 774160000 | 0.08450578691743309 | 0.7110145189624884 | 0.20447969412007855 | 1 CAPITALBK | 10 | 254256300 | 2 | 270536830 | 0 | 0 | 12 | 524793130 | 0.4844886212591998 | 0.5155113787408002 | 0 | 1 SOGEBK | 20 | 514528628.20000005 | 3 | 978177082.98 | 0 | 0 | 23 | 1492705711.18 | 0.34469529013408784 | 0.6553047098659122 | 0 | 1 SOGEBL | 5 | 50024261.21 | 1 | 38479653.33 | 0 | 0 | 6 | 88503914.53999999 | 0.5652208884770986 | 0.4347791115229015 | - | 1 UNIBK | 9 | 1556542000 | 0 | 0 | 0 | 0 | 9 | 1556542000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 166714750 | 4026319000 | 0.04140624476103359 BPH | 0 | -41441000 | 0 BUH | 774160000 | 1341481000 | 0.577093525737599 CAPITALBK | 524793130 | 2098319000 | 0.25010169092497375 SOGEBK | 1492705711.18 | 5176367094 | 0.2883693687239099 SOGEBL | 88503914.53999999 | 543397152.06 | 0.16287150973185024 UNIBK | 1556542000 | 13370343000 | 0.11641750701533984 CBNA | 0 | 561718000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés mars 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2017 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 55 | 163553000 | 0 | 0 | 0 | 0 | 55 | 163553000 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 47452000 | 4 | 401689000 | 1 | 163986000 | 11 | 613127000 | 0.0773934274628258 | 0.6551481177635302 | 0.26745845477364394 | 1 CAPITALBK | 9 | 163820860 | 2 | 282182060 | 0 | 0 | 11 | 446002920 | 0.36730894048855106 | 0.6326910595114489 | 0 | 1 SOGEBK | 19 | 741386568 | 2 | 734668772 | 0 | 0 | 21 | 1476055340 | 0.5022755908325226 | 0.4977244091674774 | 0 | 1 SOGEBL | 4 | 29039474 | 2 | 84622499 | 0 | 0 | 6 | 113661973 | 0.2554897934069823 | 0.7445102065930177 | - | 1 UNIBK | 9 | 1742645000 | 0 | 0 | 0 | 0 | 9 | 1742645000 | 1 | 0 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 | #DIV/0! | #DIV/0! LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 163553000 | 3820406000 | 0.04281037146313769 BPH | 0 | 2227000 | 0 BUH | 613127000 | 1286179000 | 0.47670425345150247 CAPITALBK | 446002920 | 1983799000 | 0.22482263576098183 SOGEBK | 1476055340 | 4835607082 | 0.3052471623458508 SOGEBL | 113661973 | 516772949 | 0.21994567095655002 UNIBK | 1742645000 | 12529639000 | 0.13908182031421656 CBNA | 0 | 549556000 | 0 SCOTIABK | 0 | 0 | 0 [Apparentés déc. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DECEMBRE 2016 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 53 | 147718750 | 0 | 0 | 0 | 0 | 53 | 147718750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 3 | 1449000 | 3 | 264105000 | 2 | 273893000 | 8 | 539447000 | 0.0026860840824029053 | 0.4895847043361072 | 0.50772921158149 | 1 CAPITALBK | 35 | 224831880 | 1 | 153755320 | 0 | 0 | 36 | 378587200 | 0.5938707911942084 | 0.4061292088057916 | 0 | 1 SOGEBK | 18 | 711296441.6999999 | 3 | 862344092.96 | 0 | 0 | 21 | 1573640534.6599998 | 0.45200693934443065 | 0.5479930606555694 | 0 | 1 SOGEBL | 5 | 48599855.68 | 1 | 40075501.980000004 | 0 | 0 | 6 | 88675357.66 | 0.5480649524566011 | 0.45193504754339897 | - | 1 UNIBK | 8 | 862454000 | 1 | 604701000 | 0 | 0 | 9 | 1467155000 | 0.5878410938176266 | 0.4121589061823734 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 2 | 65131000 | 0 | 0 | 0 | 0 | 2 | 65131000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 147718750 | 3950164000 | 0.03739559927132139 BPH | 0 | -5601000 | 0 BUH | 539447000 | 1190335000 | 0.45318922824246954 CAPITALBK | 378587200 | 1943218000 | 0.1948248729684472 SOGEBK | 1573640534.6599998 | 5147732725 | 0.3056958507223197 SOGEBL | 88675357.66 | 572092769.13 | 0.15500171029053816 UNIBK | 1467155000 | 9280136000 | 0.15809628220965727 CBNA | 0 | 562695000 | 0 SCOTIABK | 65131000 | 4928470000 | 0.01321525747341467 [Apparentés sept. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2016 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 51 | 129154750 | 0 | 0 | 0 | 0 | 51 | 129154750 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 26804000 | 2 | 176899000 | 3 | 469930000 | 12 | 673633000 | 0.03979021217784758 | 0.26260441516374644 | 0.6976053726584059 | 1 CAPITALBK | 35 | 191746700 | 1 | 158930410 | 0 | 0 | 36 | 350677110 | 0.5467898945557068 | 0.4532101054442932 | 0 | 1 SOGEBK | 19 | 699022319.36 | 2 | 557723696.05 | 0 | 0 | 21 | 1256746015.4099998 | 0.5562160617887072 | 0.4437839382112929 | 0 | 1 SOGEBL | 4 | 39564295.89 | 1 | 38794443.550000004 | 0 | 0 | 5 | 78358739.44 | 0.5049123578652608 | 0.4950876421347393 | - | 1 UNIBK | 7 | 286789000 | 2 | 1096212000 | 0 | 0 | 9 | 1383001000 | 0.2073671674857791 | 0.7926328325142209 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 8628000 | 0 | 0 | 0 | 0 | 1 | 8628000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 129154750 | 3658023000 | 0.03530725476575735 BPH | 0 | -9375000 | 0 BUH | 673633000 | 1104228000 | 0.6100488304951514 CAPITALBK | 350677110 | 1851215000 | 0.18943078464684004 SOGEBK | 1256746015.4099998 | 5067415459 | 0.2480053245245467 SOGEBL | 78358739.44 | 572431847.0400001 | 0.13688745628879115 UNIBK | 1383001000 | 8300270000 | 0.16662120629810837 CBNA | 0 | 571732000 | 0 SCOTIABK | 8628000 | 468914000 | 0.018399962466465067 [Apparentés juin 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2016 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 51 | 135498500 | 0 | 0 | 0 | 0 | 51 | 135498500 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 21539000 | 1 | 43625000 | 5 | 925796000 | 13 | 990960000 | 0.021735488818923066 | 0.04402296762735126 | 0.9342415435537257 | 1 CAPITALBK | 35 | 209574940 | 1 | 119382970 | 0 | 0 | 36 | 328957910 | 0.6370874012423048 | 0.36291259875769516 | 0 | 1 SOGEBK | 21 | 745642383 | 2 | 597134500 | 0 | 0 | 23 | 1342776883 | 0.5552987934481741 | 0.44470120655182593 | 0 | 1 SOGEBL | 3 | 35639081 | 1 | 38994967 | 0 | 0 | 4 | 74634048 | 0.4775177275658423 | 0.5224822724341577 | - | 1 UNIBK | 8 | 238119000 | 2 | 1081740000 | 0 | 0 | 10 | 1319859000 | 0.18041245314840448 | 0.8195875468515955 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 9783000 | 0 | 0 | 0 | 0 | 1 | 9783000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 135498500 | 3525332000 | 0.03843567073966367 BPH | 0 | -3758000 | 0 BUH | 990960000 | 753949000 | 1.3143594593268244 CAPITALBK | 328957910 | 1775420000 | 0.18528455802007412 SOGEBK | 1342776883 | 4764211494 | 0.28184661505709385 SOGEBL | 74634048 | 535941700 | 0.13925777374665937 UNIBK | 1319859000 | 8300270000 | 0.15901398388245203 CBNA | 0 | 574144000 | 0 SCOTIABK | 9783000 | 457663000 | 0.021375990630660553 [Apparentés mars 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2016 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 48 | 124438750 | 0 | 0 | 0 | 0 | 48 | 124438750 | 1 | 0 | 0 | 1 BPH | 1 | 513000 | 1 | 890000 | 0 | 0 | 2 | 1403000 | 0.36564504632929434 | 0.6343549536707056 | 0 | 1 BUH | 8 | 37799000 | 2 | 94873000 | 3 | 661374000 | 13 | 794046000 | 0.04760303559239641 | 0.11948048349843712 | 0.8329164809091665 | 1 CAPITALBK | 35 | 252982390 | 1 | 125497560 | 0 | 0 | 36 | 378479950 | 0.6684168870768451 | 0.33158311292315484 | 0 | 1 SOGEBK | 20 | 773038480 | 2 | 561079405 | 0 | 0 | 22 | 1334117885 | 0.579437910766034 | 0.420562089233966 | 0 | 1 SOGEBL | 3 | 28557370 | 2 | 64467678 | 0 | 0 | 5 | 93025048 | 0.3069858131113246 | 0.6930141868886754 | - | 1 UNIBK | 7 | 292615000 | 2 | 1109454000 | 0 | 0 | 9 | 1402069000 | 0.20870228212734182 | 0.7912977178726582 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 2 | 9479000 | 0 | 0 | 0 | 0 | 2 | 9479000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 124438750 | 3339833000 | 0.03725897372712947 BPH | 1403000 | 14536000 | 0.09651898734177215 BUH | 794046000 | 709303000 | 1.119473624107046 CAPITALBK | 378479950 | 1371419000 | 0.27597688963037553 SOGEBK | 1334117885 | 4508100610 | 0.2959379127521291 SOGEBL | 93025048 | 506768165 | 0.18356529558244844 UNIBK | 1402069000 | 7895160000 | 0.1775858880630665 CBNA | 0 | 633552000 | 0 SCOTIABK | 9479000 | 440234000 | 0.02153173085222859 [Apparentés décembre 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DECEMBRE 2015 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 47 | 111677500 | 0 | 0 | 0 | 0 | 47 | 111677500 | 1 | 0 | 0 | 1 BPH | 1 | 658000 | 0 | 0 | 0 | 0 | 1 | 658000 | 1 | 0 | 0 | 1 BUH | 5 | 30488000 | 2 | 101673000 | 2 | 310074000 | 9 | 442235000 | 0.06894072156206542 | 0.22990717604893326 | 0.7011521023890013 | 1 CAPITALBK | 35 | 190107920 | 1 | 120225730 | 0 | 0 | 36 | 310333650 | 0.6125920279673184 | 0.3874079720326816 | 0 | 1 SOGEBK | 19 | 976916854 | 1 | 305790927 | 0 | 0 | 20 | 1282707781 | 0.7616051515945392 | 0.2383948484054608 | 0 | 1 SOGEBL | 7 | 253504073 | 1 | 169656588 | 0 | 0 | 8 | 423160661 | 0.5990728731752312 | 0.40092712682476883 | - | 1 UNIBK | 6 | 149242000 | 2 | 1072817000 | 0 | 0 | 8 | 1222059000 | 0.12212339993404574 | 0.8778766000659542 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 2 | 10663000 | 0 | 0 | 0 | 0 | 2 | 10663000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 111677500 | 3024880000 | 0.036919646399196 BPH | 658000 | 55895000 | 0.011772072636192862 BUH | 442235000 | 666093000 | 0.6639238064354377 CAPITALBK | 310333650 | 1401795000 | 0.22138304816324783 SOGEBK | 1282707781 | 4460283138 | 0.28758438451402185 SOGEBL | 423160661 | 534803669 | 0.7912448727048654 UNIBK | 1222059000 | 7895160000 | 0.15478584347878954 CBNA | 0 | 648908000 | 0 SCOTIABK | 10663000 | 366551000 | 0.029090085690667875 [Apparentés septembre 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2015 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 41 | 59172500 | 0 | 0 | 0 | 0 | 41 | 59172500 | 1 | 0 | 0 | 1 BPH | 2 | 2117000 | 0 | 0 | 0 | 0 | 2 | 2117000 | 1 | 0 | 0 | 1 BUH | 11 | 112795000 | 1 | 46785000 | 1 | 181451000 | 13 | 341031000 | 0.33074705818532624 | 0.13718694194955883 | 0.5320659998651149 | 1 CAPITALBK | 36 | 166682770 | 1 | 93256350 | 0 | 0 | 37 | 259939120 | 0.641237725202732 | 0.3587622747972679 | 0 | 1 SOGEBK | 18 | 968165058 | 2 | 558054975 | 0 | 0 | 20 | 1526220033 | 0.6343548355193159 | 0.365645164480684 | 0 | 1 SOGEBL | 2 | 26789144 | 3 | 95027845 | 0 | 0 | 5 | 121816989 | 0.21991303692459513 | 0.7800869630754048 | - | 1 UNIBK | 7 | 158137000 | 2 | 1050193000 | 0 | 0 | 9 | 1208330000 | 0.13087236102720284 | 0.8691276389727972 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 9322000 | 0 | 0 | 0 | 0 | 1 | 9322000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 59172500 | 2757312000 | 0.02146021197456073 BPH | 2117000 | 68029380 | 0.031118907742507723 BUH | 341031000 | 583323000 | 0.5846349278187214 CAPITALBK | 259939120 | 1286648000 | 0.20202815377632422 SOGEBK | 1526220033 | 4260714061 | 0.3582075706441076 SOGEBL | 121816989 | 509363626 | 0.23915525723071557 UNIBK | 1208330000 | 6069313000 | 0.19908843060161835 CBNA | 0 | 625499000 | 0 SCOTIABK | 9322000 | 359538000 | 0.02592771834965984 [Apparentés juin 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2015 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 38 | 56685250 | 0 | 0 | 0 | 0 | 38 | 56685250 | 1 | 0 | 0 | 1 BPH | 2 | 2130000 | 0 | 0 | 0 | 0 | 2 | 2130000 | 1 | 0 | 0 | 1 BUH | 7 | 59697000 | 2 | 53303000 | 4 | 382738000 | 13 | 495738000 | 0.12042046403543807 | 0.1075225219773348 | 0.7720570139872271 | 1 CAPITALBK | 34 | 143151530 | 1 | 73481940 | 0 | 0 | 35 | 216633470 | 0.6608006140510051 | 0.33919938594899485 | 0 | 1 SOGEBK | 17 | 743554354 | 3 | 882844708 | 0 | 0 | 20 | 1626399062 | 0.4571782973642664 | 0.5428217026357336 | 0 | 1 SOGEBL | 4 | 34994327 | 2 | 56689915 | 0 | 0 | 6 | 91684242 | 0.38168311409500444 | 0.6183168859049956 | - | 1 UNIBK | 6 | 131754000 | 2 | 976810000 | 0 | 0 | 8 | 1108564000 | 0.11885105415654847 | 0.8811489458434515 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 2593000 | 0 | 0 | 1 | 117901000 | 2 | 120494000 | 0.02151974372167909 | 0 | 0.9784802562783209 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 56685250 | 2590220000 | 0.021884338009898772 BPH | 2130000 | 83507000 | 0.025506843737650737 BUH | 495738000 | 450430000 | 1.1005883267100327 CAPITALBK | 216633470 | 1067618000 | 0.20291290517769464 SOGEBK | 1626399062 | 3893953602 | 0.41767294329461296 SOGEBL | 91684242 | 456907834 | 0.20066244257042 UNIBK | 1108564000 | 6067523000 | 0.1827045402217676 CBNA | 0 | 561408000 | 0 SCOTIABK | 120494000 | 347180000 | 0.3470649230946483 [Apparentés mars 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2015 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 38 | 56685250 | 0 | 0 | 0 | 0 | 38 | 56685250 | 1 | 0 | 0 | 1 BPH | 2 | 2130000 | 0 | 0 | 0 | 0 | 2 | 2130000 | 1 | 0 | 0 | 1 BUH | 7 | 59697000 | 2 | 53303000 | 4 | 382738000 | 13 | 495738000 | 0.12042046403543807 | 0.1075225219773348 | 0.7720570139872271 | 1 CAPITALBK | 34 | 143151530 | 1 | 73481940 | 0 | 0 | 35 | 216633470 | 0.6608006140510051 | 0.33919938594899485 | 0 | 1 SOGEBK | 17 | 743554354 | 3 | 882844708 | 0 | 0 | 20 | 1626399062 | 0.4571782973642664 | 0.5428217026357336 | 0 | 1 SOGEBL | 4 | 34994327 | 2 | 56689915 | 0 | 0 | 6 | 91684242 | 0.38168311409500444 | 0.6183168859049956 | - | 1 UNIBK | 6 | 131754000 | 2 | 976810000 | 0 | 0 | 8 | 1108564000 | 0.11885105415654847 | 0.8811489458434515 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 2593000 | 0 | 0 | 1 | 117901000 | 2 | 120494000 | 0.02151974372167909 | 0 | 0.9784802562783209 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 56685250 | 2590220000 | 0.021884338009898772 BPH | 2130000 | 83507000 | 0.025506843737650737 BUH | 495738000 | 450430000 | 1.1005883267100327 CAPITALBK | 216633470 | 1067618000 | 0.20291290517769464 SOGEBK | 1626399062 | 3893953602 | 0.41767294329461296 SOGEBL | 91684242 | 456907834 | 0.20066244257042 UNIBK | 1108564000 | 6067523000 | 0.1827045402217676 CBNA | 0 | 561408000 | 0 SCOTIABK | 120494000 | 347180000 | 0.3470649230946483 [Apparentés déc. 14] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DECEMBRE 2014 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 42 | 64503750 | 0 | 0 | 0 | 0 | 42 | 64503750 | 1 | 0 | 0 | 1 BPH | 2 | 2380000 | 0 | 0 | 0 | 0 | 2 | 2380000 | 1 | 0 | 0 | 1 BUH | 0 | 0 | 3 | 89511000 | 1 | 47863000 | 4 | 137374000 | 0 | 0.651586180791125 | 0.34841381920887504 | 1 CAPITALBK | 30 | 70156010 | 2 | 127386810 | 0 | 0 | 32 | 197542820 | 0.35514330513252773 | 0.6448566948674723 | 0 | 1 SOGEBK | 15 | 620007703 | 2 | 549687708 | 1 | 582060848 | 18 | 1751756259 | 0.3539349152112834 | 0.31379234706647624 | 0.33227273772224036 | 1 SOGEBL | 4 | 25488005 | 1 | 28915401 | 0 | 0 | 5 | 54403406 | 0.4685001707429862 | 0.5314998292570138 | - | 1 UNIBK | 5 | 119674000 | 2 | 961076000 | 0 | 0 | 7 | 1080750000 | 0.1107323617857969 | 0.8892676382142031 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 4613000 | 0 | 0 | 1 | 115036000 | 2 | 119649000 | 0.0385544383989837 | 0 | 0.9614455616010164 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 64503750 | 2280241000 | 0.028288128316261308 BPH | 2380000 | 129301000 | 0.01840666352155049 BUH | 137374000 | 389080000 | 0.3530739179603166 CAPITALBK | 197542820 | 1007077000 | 0.19615463365760513 SOGEBK | 1751756260 | 3967203492 | 0.4415594671492087 SOGEBL | 54403406 | 451558205 | 0.12047927686310118 UNIBK | 1080750000 | 5190006000 | 0.208236753483522 CBNA | 0 | 442537000 | 0 SCOTIABK | 119649000 | 306459000 | 0.39042416767006355 [Apparentés sept. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2014 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 42 | 64503750 | 0 | 0 | 0 | 0 | 42 | 64503750 | 1 | 0 | 0 | 1 BPH | 2 | 2380000 | 0 | 0 | 0 | 0 | 2 | 2380000 | 1 | 0 | 0 | 1 BUH | 0 | 0 | 3 | 89511000 | 1 | 47863000 | 4 | 137374000 | 0 | 0.651586180791125 | 0.34841381920887504 | 1 CAPITALBK | 30 | 70156010 | 2 | 127386810 | 0 | 0 | 32 | 197542820 | 0.35514330513252773 | 0.6448566948674723 | 0 | 1 SOGEBK | 15 | 620007703 | 2 | 549687708 | 1 | 582060848 | 18 | 1751756259 | 0.3539349152112834 | 0.31379234706647624 | 0.33227273772224036 | 1 SOGEBL | 4 | 25488005 | 1 | 28915401 | 0 | 0 | 5 | 54403406 | 0.4685001707429862 | 0.5314998292570138 | - | 1 UNIBK | 5 | 119674000 | 2 | 961076000 | 0 | 0 | 7 | 1080750000 | 0.1107323617857969 | 0.8892676382142031 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 4613000 | 0 | 0 | 1 | 115036000 | 2 | 119649000 | 0.0385544383989837 | 0 | 0.9614455616010164 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 64503750 | 2280241000 | 0.028288128316261308 BPH | 2380000 | 129301000 | 0.01840666352155049 BUH | 137374000 | 389080000 | 0.3530739179603166 CAPITALBK | 197542820 | 1007077000 | 0.19615463365760513 SOGEBK | 1751756260 | 3967203492 | 0.4415594671492087 SOGEBL | 54403406 | 451558205 | 0.12047927686310118 UNIBK | 1080750000 | 5190006000 | 0.208236753483522 CBNA | 0 | 442537000 | 0 SCOTIABK | 119649000 | 306459000 | 0.39042416767006355 [Apparentés juin 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 JUIN 2014 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 41 | 58825250 | 0 | 0 | 0 | 0 | 41 | 58825250 | 1 | 0 | 0 | 1 BPH | 2 | 2007000 | 0 | 0 | 0 | 0 | 2 | 2007000 | 1 | 0 | 0 | 1 BUH | 0 | 0 | 1 | 29776000 | 4 | 212528000 | 5 | 242304000 | 0 | 0.12288695192815637 | 0.8771130480718436 | 1 CAPITALBK | 28 | 55850680 | 2 | 122838770 | 0 | 0 | 30 | 178689450 | 0.31255723267378127 | 0.6874427673262188 | 0 | 1 SOGEBK | 16 | 744706296 | 1 | 291572647 | 1 | 419951237 | 18 | 1456230180 | 0.5113932578982809 | 0.20022428528434977 | 0.28838245681736935 | 1 SOGEBL | 5 | 34033675 | 1 | 29482605 | 0 | 0 | 6 | 63516280 | 0.53582601185082 | 0.46417398814918004 | - | 1 UNIBK | 6 | 118130000 | 2 | 904558000 | 0 | 0 | 8 | 1022688000 | 0.11550932444694766 | 0.8844906755530524 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 58825250 | 2118187000 | 0.027771509314333438 BPH | 2007000 | 127040000 | 0.01579817380352645 BUH | 242304000 | 372108000 | 0.6511657905769292 CAPITALBK | 178689450 | 905300000 | 0.19738147575389373 SOGEBK | 1456230180 | 3838666380 | 0.37935835934770656 SOGEBL | 63516280 | 399003481 | 0.1591872828798704 UNIBK | 1022688000 | 5619638000 | 0.18198467588125783 CBNA | 0 | 435685000 | 0 SCOTIABK | 0 | 309086000 | 0 [Apparentés mars 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 MARS 2014 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 41 | 59692250 | 0 | 0 | 0 | 0 | 41 | 59692250 | 1 | 0 | 0 | 1 BPH | 2 | 2128000 | 0 | 0 | 0 | 0 | 2 | 2128000 | 1 | 0 | 0 | 1 BUH | 1 | 17710000 | 2 | 62358000 | 1 | 53582000 | 4 | 133650000 | 0.1325102880658436 | 0.46657687991021324 | 0.4009128320239431 | 1 CAPITALBK | 30 | 72040450 | 2 | 127887770 | 0 | 0 | 32 | 199928220 | 0.3603315730015503 | 0.6396684269984497 | 0 | 1 SOGEBK | 16 | 686856444 | 1 | 299447475 | 1 | 441034364 | 18 | 1427338283 | 0.4812148964128919 | 0.20979432736198808 | 0.30899077622512 | 1 SOGEBL | 6 | 46486230 | 0 | 0 | 0 | 0 | 6 | 46486230 | 1 | 0 | - | 1 UNIBK | 7 | 124081000 | 2 | 995259000 | 0 | 0 | 9 | 1119340000 | 0.11085193060196187 | 0.8891480693980381 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 7323000 | 0 | 0 | 0 | 0 | 1 | 7323000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 59692250 | 1858857000 | 0.032112341078415395 BPH | 2128000 | 134672000 | 0.01580135440180587 BUH | 133650000 | 383104000 | 0.3488608837287003 CAPITALBK | 199928220 | 824283000 | 0.2425480326538337 SOGEBK | 1427338283 | 3694541732 | 0.3863370308250182 SOGEBL | 46486230 | 361072049 | 0.12874502506839017 UNIBK | 1119340000 | 5266914000 | 0.2125229308851445 CBNA | 0 | 355797000 | 0 SCOTIABK | 7323000 | 322186000 | 0.022729106789245963 [Apparentés déc. 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 31 DÉCEMBRE 2013 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 41 | 58450250 | 0 | 0 | 0 | 0 | 41 | 58450250 | 1 | 0 | 0 | 1 BPH | 2 | 1824000 | 0 | 0 | 0 | 0 | 2 | 1824000 | 1 | 0 | 0 | 1 BUH | 0 | 0 | 0 | 0 | 3 | 114786000 | 3 | 114786000 | 0 | 0 | 1 | 1 CAPITALBK | 31 | 97532880 | 1 | 48759000 | 0 | 0 | 32 | 146291880 | 0.6667005714876314 | 0.33329942851236855 | 0 | 1 SOGEBK | 15 | 475948270 | 2 | 519196608 | 1 | 462172372 | 18 | 1457317250 | 0.3265920786980323 | 0.35626875891299575 | 0.31713916238897194 | 1 SOGEBL | 6 | 55340626 | 0 | 0 | 0 | 0 | 6 | 55340626 | 1 | 0 | - | 1 UNIBK | 7 | 90109500 | 2 | 764987000 | 0 | 0 | 9 | 855096500 | 0.10537933437921919 | 0.8946206656207808 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 1 | 7694000 | 0 | 0 | 0 | 0 | 1 | 7694000 | 1 | 0 | 0 | 1 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 58450250 | 1891133000 | 0.03090753003622696 BPH | 1824000 | 202275000 | 0.009017426770485724 BUH | 114786000 | 221541000 | 0.5181253131474535 CAPITALBK | 146291880 | 851135000 | 0.17187858565327474 SOGEBK | 1457317250 | 3856976950 | 0.3778392427260941 SOGEBL | 55340626 | 386006883 | 0.14336694094649086 UNIBK | 855096500 | 4921291000 | 0.17375450872545437 CBNA | 0 | 329080000 | 0 SCOTIABK | 7694000 | 309696000 | 0.02484371771027072 [Apparentés sept. 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES APPARENTES AU 30 SEPTEMBRE 2013 Limite individuelle Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 10% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres rélgementaires. Limite cumulative Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 200% entre le cumul des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Apparenté (à l'établissement bancaire) et le montant de ses fonds propres. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et moins (des fonds propres) | 5% + et 10% | plus de 10% | Total | Distribution des risques apparentés Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et moins | 5% + et 10% | + de 10% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 40 | 50822500 | 0 | 0 | 0 | 0 | 40 | 50822500 | 1 | 0 | 0 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 BUH | 0 | 0 | 0 | 0 | 2 | 87742900 | 2 | 87742900 | 0 | 0 | 1 | 1 CAPITALBK | 32 | 137959600 | 0 | 0 | 0 | 0 | 32 | 137959600 | 1 | - | - | 1 SOGEBK | 14 | 636670157 | 1 | 311426690 | 1 | 542642824 | 16 | 1490739671 | 0.42708339315402843 | 0.20890749475466264 | 0.36400911209130893 | 1 SOGEBL | 6 | 50315020 | 0 | 0 | 0 | 0 | 6 | 50315020 | 1 | 0 | - | 1 UNIBK | 7 | 42411200 | 2 | 725913000 | 0 | 0 | 9 | 768324200 | 0.05519961495420813 | 0.9448003850457919 | - | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | 0 | #DIV/0! SCOTIABK | 1 | 7667000 | 0 | 0 | 0 | 0 | 1 | 7667000 | 1 | 0 | 0 | 0 LIMITE CUMULATIVE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES Total Risques | Fonds Apparentés | Propres (gourdes) | (gourdes) (a) | (b) | (a) / (b) BNC | 50822500 | 1693916000 | 0.03000296354718888 BPH | 0 | 195473000 | 0 BUH | 87742900 | 221541000 | 0.3960571632338935 CAPITALBK | 137959600 | 804757000 | 0.17143013356826967 SOGEBK | 1490739671 | 3859900176 | 0.38621197518761946 SOGEBL | 50315020 | 384139418 | 0.13098114289328153 UNIBK | 768324200 | 4595480000 | 0.16719128360911156 CBNA | 0 | 347892000 | 0 SCOTIABK | 7667000 | 314826000 | 0.024353134747447797 [Non apparentés sept 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2019 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 4 | 1778988000 | 4 | 3160231000 | 4 | 6338804000 | 12 | 11278023000 | 0.15773934846559542 | 0.2802114342203416 | 0.562049217314063 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 4 | 858622000 | 8 | 3278829000 | 2 | 1931115000 | 14 | 6068566000 | 0.1414868026482698 | 0.5402971641076326 | 0.31821603324409753 | 1 CAPITALBK | 4 | 1250061000 | 3 | 1551126000 | 0 | 0 | 7 | 2801187000 | 0.4462611742807603 | 0.5537388257192397 | 0 | 1 SOGEBK | 15 | 6100050000 | 7 | 6532509000 | 0 | 0 | 22 | 12632559000 | 0.48288315930287756 | 0.5171168406971224 | 0 | 1 SOGEBL | 9 | 330244072 | 1 | 64646181 | 0 | 0 | 10 | 394890253 | 0.8362932979254871 | 0.16370670207451285 | 0 | 1 UNIBK | 8 | 6338253000 | 6 | 9640230000 | 0 | 0 | 14 | 16046791000 | 0.3949857015025621 | 0.6007574972466457 | 0 | 0.9957431987492078 CBNA | 1 | 58988000 | 3 | 354295000 | 1 | 131089000 | 5 | 544372000 | 0.10835972460008965 | 0.6508325189392548 | 0.24080775646065558 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés juin 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2019 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 2157550500 | 4 | 3141804500 | 2 | 3081464000 | 11 | 8380819000 | 0.25743909992567554 | 0.3748803667040178 | 0.36768053337030665 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 4 | 862208000 | 9 | 3545039000 | 2 | 1650131000 | 15 | 6057378000 | 0.1423401346259058 | 0.5852431530606147 | 0.2724167123134795 | 1 CAPITALBK | 5 | 1108285000 | 5 | 2205359000 | 0 | 0 | 10 | 3313644000 | 0.3344610947947335 | 0.6655389052052665 | 0 | 1 SOGEBK | 10 | 3947699000 | 6 | 5477429000 | 0 | 0 | 16 | 9425128000 | 0.4188483169671542 | 0.5811516830328458 | 0 | 1 SOGEBL | 10 | 358757824 | 1 | 64701520 | 0 | 0 | 11 | 423459344 | 0.8472072445282964 | 0.15279275547170357 | 0 | 1 UNIBK | 7 | 5695571000 | 6 | 10165373000 | 0 | 0 | 13 | 15860944000 | 0.3590940740979856 | 0.6409059259020145 | 0 | 1 CBNA | 1 | 62017000 | 3 | 232077000 | 1 | 689247000 | 5 | 983341000 | 0.06306764387938671 | 0.23600866840699208 | 0.7009236877136212 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés mars 19] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2019 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 4 | 1816887000 | 5 | 3868335000 | 2 | 2907709000 | 11 | 8592931000 | 0.21143972877240605 | 0.45017642990499984 | 0.33838384132259414 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 1302086000 | 7 | 2277400000 | 2 | 1435332000 | 15 | 5014818000 | 0.2596477080524159 | 0.4541341280979689 | 0.2862181638496153 | 1 CAPITALBK | 5 | 1043449140 | 5 | 1957685880 | 0 | 0 | 10 | 3001135020 | 0.34768483691880014 | 0.6523151630811999 | 0 | 1 SOGEBK | 9 | 3369781000 | 6 | 5312162000 | 0 | 0 | 15 | 8681943000 | 0.38813673390852715 | 0.6118632660914728 | 0 | 1 SOGEBL | 8 | 282606475 | 1 | 60292477 | 0 | 0 | 9 | 342898952 | 0.8241683835767454 | 0.17583161642325462 | 0 | 1 UNIBK | 7 | 6038338000 | 5 | 8845267000 | 0 | 0 | 12 | 14883605000 | 0.4057039944287691 | 0.5942960055712309 | 0 | 1 CBNA | 2 | 82193000 | 4 | 360190000 | 0 | 0 | 6 | 442383000 | 0.18579601838226154 | 0.8142039816177384 | 0 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés déc.18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2018 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 3 | 1114446000 | 6 | 4446865000 | 2 | 2861005000 | 11 | 8422316000 | 0.13232061110031967 | 0.5279860076492024 | 0.3396933812504779 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 7 | 1428535000 | 8 | 2597717000 | 1 | 752829000 | 16 | 4779081000 | 0.29891416362267137 | 0.5435599438469446 | 0.157525892530384 | 1 CAPITALBK | 3 | 650164950 | 5 | 1992366520 | 0 | 0 | 8 | 2642531470 | 0.2460386782073025 | 0.7539613217926975 | 0 | 1 SOGEBK | 12 | 4995996000 | 4 | 3625890000 | 0 | 0 | 16 | 8621886000 | 0.5794551215360537 | 0.4205448784639463 | 0 | 1 SOGEBL | 8 | 310197844 | 0 | 0 | 0 | 0 | 8 | 310197844 | 1 | 0 | 0 | 1 UNIBK | 4 | 2637962000 | 7 | 11258783000 | 0 | 0 | 11 | 13896745000 | 0.18982589088308088 | 0.8101741091169191 | 0 | 1 CBNA | 2 | 72503000 | 4 | 386723000 | 0 | 0 | 6 | 459226000 | 0.15788086911455362 | 0.8421191308854464 | 0 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept 18 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2018 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 3 | 1115609000 | 7 | 5023168000 | 2 | 2784112000 | 12 | 8922889000 | 0.12502777967987722 | 0.5629530973656626 | 0.31201912295446016 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 5 | 1014134000 | 6 | 1832927000 | 1 | 739181000 | 12 | 3586242000 | 0.28278459735846045 | 0.5110996413515876 | 0.206115761289952 | 1 CAPITALBK | 4 | 825288600 | 5 | 1895168230 | 0 | 0 | 9 | 2720456830 | 0.30336397582166374 | 0.6966360241783363 | 0 | 1 SOGEBK | 13 | 4721639000 | 5 | 4010170000 | 0 | 0 | 18 | 8731809000 | 0.5407400688677455 | 0.4592599311322545 | 0 | 1 SOGEBL | 7 | 245354778 | 1 | 55135888 | 0 | 0 | 8 | 300490666 | 0.8165138081194175 | 0.1834861918805824 | 0 | 1 UNIBK | 10 | 12081696000 | 0 | 0 | 0 | 0 | 10 | 12081696000 | 1 | 0 | 0 | 1 CBNA | 1 | 26881000 | 5 | 445392000 | 1 | 106328000 | 7 | 578601000 | 0.04645861310298461 | 0.7697739893294343 | 0.18376739756758112 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés juin 18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2018 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 680201000 | 7 | 4914939000 | 2 | 2769595000 | 11 | 8364735000 | 0.08131769864795478 | 0.5875785664459184 | 0.3311037349061267 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 815193000 | 6 | 1664694000 | 1 | 736271000 | 13 | 3216158000 | 0.2534679577309324 | 0.5176033018278331 | 0.22892874044123454 | 1 CAPITALBK | 3 | 571957550 | 5 | 1725597730 | 0 | 0 | 8 | 2297555280 | 0.2489418013045588 | 0.7510581986954412 | 0 | 1 SOGEBK | 13 | 5103768692.749999 | 2 | 1642143063.71 | 1 | 1238780228 | 16 | 7984691984.459999 | 0.6391941859101237 | 0.20566141648368888 | 0.15514439760618745 | 1 SOGEBL | 6 | 208059865.17 | 1 | 54029353.190000005 | 0 | 0 | 7 | 262089218.35999998 | 0.7938512941200562 | 0.2061487058799438 | 0 | 1 UNIBK | 5 | 5112220000 | 4 | 6240759000 | 0 | 0 | 9 | 11352979000 | 0.45029767076993626 | 0.5497023292300638 | 0 | 1 CBNA | 0 | 0 | 3 | 232620000 | 2 | 203124000 | 5 | 435744000 | 0 | 0.5338455606961886 | 0.4661544393038114 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés mars 18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2018 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 3 | 1045426000 | 6 | 4469337000 | 2 | 3498367000 | 11 | 9013130000 | 0.11598922904695705 | 0.49586958137739057 | 0.3881411895756524 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 8 | 858188000 | 5 | 1075711000 | 2 | 1076965000 | 15 | 3010864000 | 0.285030476301819 | 0.3572765159768093 | 0.3576930077213717 | 1 CAPITALBK | 6 | 1018505080 | 5 | 1676728270 | 0 | 0 | 11 | 2695233350 | 0.377891242700748 | 0.6221087572992521 | 0 | 1 SOGEBK | 13 | 4961236000 | 3 | 2731424000 | 0 | 0 | 16 | 7692660000 | 0.6449311421536894 | 0.35506885784631065 | 0 | 1 SOGEBL | 7 | 249099193.67999998 | 1 | 53645057.79 | 0 | 0 | 8 | 302744251.46999997 | 0.8228040415977448 | 0.1771959584022552 | 0 | 1 UNIBK | 5 | 4781519000 | 3 | 4644359000 | 0 | 0 | 8 | 9425878000 | 0.5072757147928288 | 0.49272428520717115 | 0 | 1 CBNA | 2 | 65962000 | 3 | 280270000 | 0 | 0 | 5 | 346232000 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés déc 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 3 | 1056653000 | 7 | 5114509000 | 1 | 1425996000 | 11 | 7597158000 | 0.13908530005562605 | 0.6732134569269193 | 0.1877012430174547 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 8 | 832874000 | 5 | 1120713000 | 3 | 1307314000 | 16 | 3260901000 | 0.25541223115942496 | 0.3436820069054534 | 0.4009057619351216 | 1 CAPITALBK | 5 | 868935680 | 4 | 1492921740 | 0 | 0 | 9 | 2361857420 | 0.3679035290792448 | 0.6320964709207553 | 0 | 1 SOGEBK | 13 | 5115263701.09 | 3 | 2570954947.29 | 0 | 0 | 16 | 7686218648.38 | 0.6655110835505738 | 0.33448891644942624 | 0 | 1 SOGEBL | 7 | 274934541.44 | 0 | 0 | 0 | 0 | 7 | 274934541.44 | 1 | 0 | 0 | 1 UNIBK | 4 | 3708081000 | 3 | 4514574000 | 0 | 0 | 7 | 8222655000 | 0.45095908803178536 | 0.5490409119682147 | 0 | 1 CBNA | 0 | 0 | 4 | 392599000 | 2 | 234512000 | 6 | 627111000 | 0 | 0 | 0.37395612578953324 | 0.37395612578953324 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 1 | 320369000 | 6 | 3669300000 | 3 | 3362537000 | 10 | 7352206000 | 0.04357454075688304 | 0.4990746994847533 | 0.4573507597583637 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 577973000 | 7 | 1285049000 | 3 | 1272468000 | 16 | 3135490000 | 0.18433259235398614 | 0.40983992932524105 | 0.4058274783207728 | 1 CAPITALBK | 4 | 572627300 | 5 | 1582548240 | 0 | 0 | 9 | 2155175540 | 0.2656986817881202 | 0.7343013182118798 | 0 | 1 SOGEBK | 10 | 3558718351 | 3 | 2105115830 | 1 | 1074335019 | 14 | 6738169200 | 0.5281432159643602 | 0.3124165878767188 | 0.15944019615892102 | 1 SOGEBL | 7 | 271337489 | 0 | 0 | 0 | 0 | 7 | 271337489 | 1 | 0 | 0 | 1 UNIBK | 4 | 4593110000 | 1 | 1685502000 | 0 | 0 | 5 | 6278612000 | 0.7315486289007825 | 0.26845137109921746 | 0 | 1 CBNA | 1 | 40623000 | 4 | 408402000 | 0 | 0 | 5 | 449025000 | 0.09046935025889427 | 0.9095306497411058 | 0 | 1 [Non apparentés juin 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 454025000 | 5 | 2837413500 | 3 | 3371018000 | 10 | 6662456500 | 0.0681467863992808 | 0.42588097948556963 | 0.5059722341151496 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 550073000 | 6 | 1009142000 | 3 | 1199664000 | 15 | 2758879000 | 0.19938279279373977 | 0.36577972430106576 | 0.4348374829051945 | 1 CAPITALBK | 5 | 711931850 | 3 | 839336020 | 0 | 0 | 8 | 1551267870 | 0.4589354706353842 | 0.5410645293646158 | 0 | 1 SOGEBK | 12 | 4216569227.7999997 | 3 | 2232194985.83 | 1 | 1047560480.67 | 16 | 7496324694.299999 | 0.5624848708869513 | 0.2977719184879092 | 0.13974321062513959 | 1 SOGEBL | 8 | 303211655.82000005 | 0 | 0 | 0 | 0 | 8 | 303211655.82000005 | 1 | 0 | 0 | 1 UNIBK | 6 | 6325622000 | 1 | 1685502000 | 0 | 0 | 7 | 8011124000 | 0.7896048045193159 | 0.2103951954806841 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 3 | 337032000 | 3 | 337032000 | 0 | 0 | 1 | 1 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés mars 17] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2017 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 478322500 | 5 | 2793614000 | 3 | 3683647000 | 10 | 6955583500 | 0.0687681342622082 | 0.40163618192492406 | 0.5295956838128677 | 1 BPH | 34 | 5340000 | 31 | 9793000 | 206 | 918277000 | 271 | 933410000 | 0.005720958635540652 | 0.010491638186863222 | 0.9837874031775962 | 1 BUH | 7 | 602774000 | 6 | 1221958000 | 2 | 840903000 | 15 | 2665635000 | 0.2261277331667689 | 0.45841159798697123 | 0.3154606688462599 | 1 CAPITALBK | 6 | 955477130 | 5 | 1335216710 | 0 | 0 | 11 | 2290693840 | 0.4171125417615826 | 0.5828874582384174 | 0 | 1 SOGEBK | 14 | 4614566512 | 2 | 1567495336 | 2 | 2020358013 | 18 | 8202419861 | 0.5625859917194502 | 0.1911015727752442 | 0.24631243550530557 | 1 SOGEBL | 6 | 225565628 | 2 | 138380347 | 0 | 0 | 8 | 363945975 | 0.6197777788310477 | 0.3802222211689523 | 0 | 1 UNIBK | 7 | 3873522000 | 3 | 4370137000 | 0 | 0 | 10 | 8243659000 | 0.46987897000591605 | 0.530121029994084 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés déc. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 2 | 466480000 | 3 | 1568528000 | 3 | 3785905000 | 8 | 5820913000 | 0.08013863117349461 | 0.26946425758295994 | 0.6503971112435455 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 4 | 393381000 | 2 | 351447000 | 3 | 983322000 | 9 | 1728150000 | 0.22763128200677024 | 0.20336602725457859 | 0.5690026907386512 | 1 CAPITALBK | 6 | 904143070 | 5 | 1254438780 | 0 | 0 | 11 | 2158581850 | 0.4188597573911779 | 0.5811402426088221 | 0 | 1 SOGEBK | 11 | 3771563052.0900006 | 6 | 4529791118.53 | 0 | 0 | 17 | 8301354170.620001 | 0.4543310614837091 | 0.5456689385162908 | 0 | 1 SOGEBL | 7 | 284435888.55 | 1 | 85798355.44 | 0 | 0 | 8 | 370234243.99 | 0.7682592660382939 | 0.23174073396170616 | 0 | 1 UNIBK | 8 | 862454000 | 1 | 604701000 | 0 | 0 | 9 | 1467155000 | 0.5878410938176266 | 0.4121589061823734 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | #DIV/0! | #DIV/0! | #DIV/0! [Non apparentés sept. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 Septembre 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 1 | 226398500 | 1 | 708806000 | 2 | 2619224000 | 4 | 3554428500 | 0.06369476837134296 | 0.19941489890709577 | 0.7368903327215612 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 484377000 | 1 | 200731000 | 3 | 826881000 | 10 | 1511989000 | 0.32035748937326924 | 0.13275956372698478 | 0.5468829468997459 | 1 CAPITALBK | 2 | 302040090 | 5 | 1278507530 | 0 | 0 | 7 | 1580547620 | 0.19109838019306244 | 0.8089016198069375 | 0 | 1 SOGEBK | 10 | 3327371131.96 | 7 | 4583884954.53 | 0 | 0 | 17 | 7911256086.49 | 0.4205869580738424 | 0.5794130419261576 | 0 | 1 SOGEBL | 5 | 176908283.2 | 3 | 219364522.76 | 0 | 0 | 8 | 396272805.96 | 0.44643054113043834 | 0.5535694588695617 | 0 | 1 UNIBK | 6 | 3120313000 | 5 | 5385967000 | 0 | 0 | 11 | 8506280000 | 0.36682462839219965 | 0.6331753716078004 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 97224000 | 1 | 88661000 | 1 | 127206000 | 5 | 313091000 | 0.31052952655937094 | 0.28317965064470074 | 0.4062908227959283 | 1 [Non apparentés juin 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 1230945500 | 1 | 702823000 | 2 | 2587443000 | 8 | 4521211500 | 0.27226010108131415 | 0.15545014870461157 | 0.5722897502140742 | 1 BPH | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 BUH | 6 | 322994000 | 4 | 434584000 | 2 | 491450000 | 12 | 1249028000 | 0.2585962844708045 | 0.34793775639937613 | 0.39346595912981935 | 1 CAPITALBK | 5 | 682519230 | 3 | 670231790 | 0 | 0 | 8 | 1352751020 | 0.5045416487654912 | 0.49545835123450876 | 0 | 1 SOGEBK | 10 | 3343415364 | 5 | 3642683848 | 0 | 0 | 15 | 6986099212 | 0.47858114557792514 | 0.5214188544220749 | 0 | 1 SOGEBL | 7 | 245504616 | 2 | 151807320 | 0 | 0 | 9 | 397311936 | 0.6179140210879545 | 0.3820859789120456 | 0 | 1 UNIBK | 7 | 3440582000 | 4 | 4334581000 | 0 | 0 | 11 | 7775163000 | 0.4425093081649864 | 0.5574906918350137 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 108702000 | 1 | 89155000 | 0 | 0 | 4 | 197857000 | 0.5493967865680769 | 0.45060321343192306 | 0 | 1 [Non apparentés mars 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2016 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 1039389500 | 1 | 353457000 | 1 | 777875000 | 7 | 2170721500 | 0.47882213356250447 | 0.16282927128146102 | 0.3583485951560345 | 1 BPH | 76 | 75085000 | 30 | 57800000 | 37 | 543349000 | 143 | 676234000 | 0.11103405034352014 | 0.0854733716435435 | 0.8034925780129364 | 1 BUH | 4 | 232268000 | 2 | 197998000 | 3 | 546034000 | 9 | 976300000 | 0.23790638123527605 | 0.2028044658404179 | 0.559289152924306 | 1 CAPITALBK | 4 | 338768270 | 5 | 985335970 | 0 | 0 | 9 | 1324104240 | 0.25584713028333783 | 0.7441528697166622 | 0 | 1 SOGEBK | 11 | 3483107611 | 4 | 2750016511 | 1 | 930603331 | 16 | 7163727453 | 0.4862144231270771 | 0.38388067232350637 | 0.12990490454941656 | 1 SOGEBL | 7 | 233005373 | 3 | 220375627 | 0 | 0 | 10 | 453381000 | 0.5139284023812202 | 0.48607159761877977 | 0 | 1 UNIBK | 8 | 2585024000 | 5 | 4931479000 | 0 | 0 | 13 | 7516503000 | 0.3439131202368974 | 0.6560868797631026 | 0 | 1 CBNA | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 SCOTIABK | 3 | 103023000 | 1 | 44550000 | 0 | 0 | 4 | 147573000 | 0.6981155089345612 | 0.3018844910654388 | 0 | 1 [Secteur d' activitésept 19] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2019 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1111.12204 | 11838.652 | 1288195.5799999998 | 0 | 0 | 0 | 0 | 1301145.35404 200 | Industrie alimentaire | 711875 | 1209.3326299999999 | 683079.81274 | 548419.683 | 2475484.64 | 553838.089 | 12502.61 | 178142.52417 | 0 | 5164551.69154 210 | Industrie des boissons | 51 | 0 | 850973.3767799999 | 1154645.153 | 3343244.75 | 434112.622 | 0 | 0 | 0 | 5783026.90178 220 | Industrie du bois | 53065 | 0 | 760.76756 | 6790.715 | 0 | 793.77 | 0 | 0 | 0 | 61410.25256 230 | Industrie chimique | 393 | 0 | 75927.22153 | 554452.088 | 4903.48 | 35941.294 | 0 | 171156.54283000002 | 0 | 842773.62636 240 | Industrie du textile | 1544 | 0 | 408234.02288 | 1182492.522 | 58858.4 | 196987.209 | 0 | 0 | 0 | 1848116.15388 250 | Industrie pharmacie | 0 | 0 | 34090.45022 | 0 | 39890.25 | 45174.548 | 0 | 0 | 0 | 119155.24822000001 260 | Imprimerie, édition | 7870 | 433.2793 | 8745.028869999998 | 30729.467 | 58248.55 | 53497.161 | 0 | 0 | 0 | 159523.48617 270 | Sidérurgie, aciérie | 21789 | 0 | 102823.58576999999 | 255383.277 | 0 | 267663.695 | 0 | 0 | 0 | 647659.5577700001 280 | Industrie de la fabrication | 38916 | 2264.6706400000003 | 377027.19513999997 | 1851683.24 | 670843.61 | 328916.55 | 0 | 0 | 0 | 3269651.2657799996 290 | Autres industries | 0 | 0 | 45622.31095000001 | 13873.944 | 394419.15 | 176984.174 | 0 | 0 | 0 | 630899.57895 300 | Production et distribution de l'électricité | 1406570 | 0 | 343924.10704000003 | 2243811.306 | 0 | 5544.425 | 0 | 126020.19311 | 0 | 4125870.0311499997 400 | Production et distribution de gaz | 0 | 0 | 0 | 544390.466 | 95985.36 | 187872.152 | 0 | 0 | 0 | 828247.978 500 | Traitement et distribution de l'eau | 0 | 0 | 487088.35713 | 42511.256 | 32317.51 | 5144.318 | 0 | 0 | 0 | 567061.44113 600 | Entrep/ batiment et corps/ métiers corresp. | 943213 | 121131.30109000001 | 1761266.9228 | 4136589.034 | 1503887.35 | 1231958.092 | 0 | 0 | 0 | 9698045.69989 700 | Commerce de gros(1) | 2813693 | 317555.24951999995 | 3833285.03477 | 6421470.165 | 8973313.4 | 2559228.717 | 0 | 67187.664 | 0 | 24985733.23029 800 | Commerce de détail(2) | 264299 | 421513.88793 | 1122517.53299 | 6621322.865 | 8414104.71 | 1376473.322 | 0 | 194097.696 | 0 | 18414329.01392 900 | Rest/débits/boissons, casinos/activités/loterie | 130936 | 1943.55173 | 9888.26619 | 4723.91 | 29157.33 | 22527.092 | 0 | 0 | 0 | 199176.14992 1000 | Hotels,motels et pensions | 1564415 | 0 | 152203.06456 | 841343.043 | 643045.92 | 333613.388 | 185067.85 | 0 | 0 | 3719688.2655599997 1100 | Transport | 2270654 | 0 | 318946.04108 | 310153.511 | 1464982.42 | 74229.614 | 0 | 0 | 0 | 4438965.58608 1200 | Immobilier résidentiel / Avance Hypothécaire | 2073695 | 137610.68807 | 1885923.91039 | 414735.715 | 2908558.09 | 561371.501 | 3426750.89 | 0 | 0 | 11408645.79446 1300 | Immobilier commercial | 3424841 | 255104.86381 | 1430176.8571400002 | 5708184.131 | 3782420.89 | 134907.27 | 1050091.56 | 0 | 0 | 15785726.571950002 1400 | Télécommunications | 1867331 | 59016.05629 | 32026.391789999998 | 63429.8 | 1508246.32 | 36344.954 | 0 | 0 | 0 | 3566394.52208 1500 | Services financiers | 263674 | 0 | 405864.32709 | 725263.219 | 798686.14 | 2005081.036 | 0 | 122789.05442 | 0 | 4321357.77651 1510 | Services professionnels | 870888 | 25127.51767 | 231182.70182 | 124469.149 | 426142.98 | 353769.066 | 0 | 0 | 0 | 2031579.4144899999 1520 | Services médicaux | 1908 | 0 | 13844.2611 | 4027.87 | 3618.89 | 39493.89 | 0 | 0 | 0 | 62892.9111 1530 | Services d'agence ou de représentation | 1917 | 941.2188100000001 | 16614.603470000002 | 37025.732 | 22877.01 | 5728.635 | 0 | 0 | 0 | 85104.19928 1540 | Services d'enseignement | 115799 | 0 | 28794.69745 | 49865.33 | 3129.81 | 5999.145 | 0 | 0 | 0 | 203587.98244999998 1550 | Autres services | 157092 | 25710.743469999998 | 122062.56188 | 243080.906 | 450098.94 | 732622.664 | 0 | 0 | 0 | 1730667.8153499998 1560 | Crédit à la consommation | 3272517 | 25896.155039999998 | 1387908.76986 | 4265561.638 | 2349998.29 | 238334.762 | 181151.5 | 0 | 0 | 11721368.114899999 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 22278945 | 1395458.516 | 16171913.303030001 | 38412267.787 | 41744659.769999996 | 12004153.155000001 | 4855564.41 | 859393.67453 | 0 | 137722355.61556 (1) Commerce de gros Import-export | 501036 | 46550.6757 | 895359.6263 | 1893911.279 | 2606105.41 | 375707 | 0 | 6318669.991 Produits pétroliers | 0 | 747943.77053 | 410030.404 | 134.55 | 145869 | 0 | 1303977.72453 Produits pharmaceutiques | 0 | 20727.61053 | 76964.916 | 107792.92 | 21945 | 0 | 227430.44653000002 Produits alimentaires | 434961 | 11304.00828 | 819555.66176 | 2219204.942 | 3465507.17 | 1041119 | 0 | 7991651.78204 Matériaux de construction | 150083.17725 | 980770.04851 | 504228.353 | 1363343.76 | 944954 | 0 | 3943379.3387599997 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1877695 | 109617.38829 | 368928.31732 | 1317130.27 | 1430429.6 | 29633 | 67187.664 | 0 | 5200621.2396100005 S-Total | 2813692 | 317555.24952 | 3833285.03495 | 6421470.164000001 | 8973313.41 | 2559227 | 0 | 67187.664 | 0 | 24985730.52247 (2) Commerce de détail Produits pétroliers | 32270 | 4910.8557599999995 | 97699.07176 | 59875.712 | 148040.22 | 30361 | 186632.4 | 559789.25952 Produits pharmaceutiques | 1960 | 1008.03962 | 1632.897 | 924.71 | 58221 | 0 | 63746.64662 Véhicules automobiles | 155331 | 294765.38274000003 | 2209532.797 | 4854818.49 | 706245 | 0 | 8220692.66974 Produits alimentaires | 63 | 605190.56901 | 652044.605 | 958019.86 | 183702 | 7465.296 | 0 | 2406485.33001 Librairie ,papeterie | 761 | 0 | 23328.179 | 120152.44 | 163 | 0 | 144404.619 Appareils électro- ménagers électroni.équip. inform. | 0 | 54657.149560000005 | 311544.733 | 552171.66 | 339460 | 0 | 1257833.54256 Matériaux de construction | 30667 | 0 | 198817.687 | 678348.78 | 172 | 0 | 908005.4670000001 Autres | 43247 | 416603.032 | 69197.32020999999 | 3164546.256 | 1101628.55 | 58150 | 0 | 4853372.15821 S-Total | 264299 | 421513.88776 | 1122517.5329 | 6621322.866 | 8414104.71 | 1376474 | 0 | 194097.696 | 0 | 18414329.692660004 [Secteur d'activité sept 19 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2019 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 6.870690061093872e-05 | 0.00030819976747133366 | 0.030858931108734725 | 0 | 0 | 0 | #DIV/0! | 0.009447597292570527 200 | Industrie alimentaire | 0.031952814641806424 | 0.0008666202657650339 | 0.042238651663561465 | 0.014277201388916787 | 0.059300630395340274 | 0.04613720616929266 | 0.0025749035424699473 | 0.20728861457751088 | #DIV/0! | 0.03749973392813871 210 | Industrie des boissons | 0 | 0 | 0.052620451324121305 | 0.030059281045384426 | 0.08008796259019074 | 0.03616353576921686 | 0 | 0 | #DIV/0! | 0.04199047333987532 220 | Industrie du bois | 0.002381845280375709 | 0 | 4.704252030942196e-05 | 0.0001767850582958345 | 0 | 6.61246145188823e-05 | 0 | 0 | #DIV/0! | 0.00044589894128315224 230 | Industrie chimique | 1.763997352657408e-05 | 0 | 0.0046950054769199214 | 0.014434245097802978 | 0.00011746364749447328 | 0.002994071596381594 | 0 | 0.19915964929996147 | #DIV/0! | 0.006119366914638967 240 | Industrie du textile | 6.930310209931394e-05 | 0 | 0.025243396698367934 | 0.03078424134073634 | 0.0014099623837945106 | 0.016409921337762205 | 0 | 0 | #DIV/0! | 0.013419144231302985 250 | Industrie pharmacie | 0 | 0 | 0.0021080035232202703 | 0 | 0.0009555773174289307 | 0.0037632432222995905 | 0 | 0 | #DIV/0! | 0.000865184506084194 260 | Imprimerie, édition | 0.0003532483248196896 | 8.92335603885028e-05 | 0.0005407541276121925 | 0.0007999909604503976 | 0.0013953533295260106 | 0.004456554353250418 | 0 | 0 | #DIV/0! | 0.0011582976885415462 270 | Sidérurgie, aciérie | 0.0009780086085763935 | 0 | 0.006358158360318118 | 0.006648482157214115 | 0 | 0.02229759080410533 | 0 | 0 | #DIV/0! | 0.004702646530225532 280 | Industrie de la fabrication | 0.0017467613479902212 | 0.0016228863947109985 | 0.023313703708104806 | 0.04820551731722207 | 0.016070165949276825 | 0.027400229383361275 | 0 | 0 | #DIV/0! | 0.023740889786309984 290 | Autres industries | 0 | 0 | 0.0028210830775015423 | 0.0003611852358452892 | 0.009448373808126022 | 0.014743578469446808 | 0 | 0 | #DIV/0! | 0.004580952570337247 300 | Production et distribution de l'électricité | 0.06313449761647151 | 0 | 0.021266754316297362 | 0.0584139243858802 | 0 | 0.00046187556326625356 | 0 | 0.1466384927477155 | #DIV/0! | 0.029957881657695487 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.014172307373745844 | 0.0022993446474075794 | 0.01565059605406209 | 0 | 0 | #DIV/0! | 0.006013896395382478 500 | Traitement et distribution de l'eau | 0 | 0 | 0.030119401953431088 | 0.0011067103935578425 | 0.0007741711198045297 | 0.000428544848901505 | 0 | 0 | #DIV/0! | 0.004117424789864202 600 | Entrep/ batiment et corps/ métiers corresp. | 0.04233651997435246 | 0.08680394271928324 | 0.10890900104380387 | 0.1076892688798749 | 0.03602586194943134 | 0.10262765528669231 | 0 | 0 | #DIV/0! | 0.07041736729337722 700 | Commerce de gros(1) | 0.12629381687508093 | 0.22756337496169607 | 0.23703348904620877 | 0.16717237838202412 | 0.2149571573810913 | 0.21319527366526672 | 0 | 0.07818031013172717 | #DIV/0! | 0.18142104176634552 800 | Commerce de détail(2) | 0.011863173951908406 | 0.30206121005893094 | 0.06941154778387805 | 0.17237521360925423 | 0.20156122379147617 | 0.11466642454712998 | 0 | 0.22585422926943405 | #DIV/0! | 0.13370617233212306 900 | Rest/débits/boissons, casinos/activités/loterie | 0.005877118508080163 | 0.0013927692638051878 | 0.000611446895906084 | 0.00012297920097283945 | 0.0006984685025736887 | 0.0018766081796129832 | 0 | 0 | #DIV/0! | 0.001446215097249592 1000 | Hotels,motels et pensions | 0.07021943812869057 | 0 | 0.009411568174279227 | 0.021902977654569476 | 0.015404267840317341 | 0.027791497133726792 | 0.038114590678450085 | 0 | #DIV/0! | 0.027008601827456298 1100 | Transport | 0.10191927849366296 | 0 | 0.01972222056250089 | 0.008074334811988538 | 0.035093888130160705 | 0.0061836610247747205 | 0 | 0 | #DIV/0! | 0.032231263880433375 1200 | Immobilier résidentiel | 0.09307868931854718 | 0.09861324180703913 | 0.11661724095668072 | 0.010796959900929371 | 0.06967497414100975 | 0.046764773303994055 | 0.7057368826047558 | 0 | #DIV/0! | 0.08283800943912291 1300 | Immobilier commercial | 0.15372545692805473 | 0.18281078289682384 | 0.08843584740662934 | 0.1486031536240576 | 0.09060849725066523 | 0.011238382937809158 | 0.21626560196325353 | 0 | #DIV/0! | 0.11461992863391393 1400 | Télécommunications | 0.08381595268537177 | 0.012154314371457385 | 0.001980371226946874 | 0.0016512901646870944 | 0.03613028177280555 | 0.0030276982916417976 | 0 | 0 | #DIV/0! | 0.02589553820902745 1500 | Services financiers | 0.011835120558895405 | 0 | 0.0250968651318429 | 0.01888103100347159 | 0.019132654198177935 | 0.167032277088604 | 0 | 0.14287870397365096 | #DIV/0! | 0.03137731530364392 1510 | Services professionnels | 0.03909018133488817 | 0.018006638951924243 | 0.0142953216164401 | 0.003240348882554769 | 0.010208323228597726 | 0.029470555851134502 | 0 | 0 | #DIV/0! | 0.014751268270207181 1520 | Services médicaux | 8.564139819008486e-05 | 0 | 0.0008560682239995754 | 0.00010485894824890204 | 8.66910886311914e-05 | 0.0032900188368181474 | 0 | 0 | #DIV/0! | 0.0004566645031512538 1530 | Services d'agence ou de représentation | 8.604536704947204e-05 | 0.000674487130364827 | 0.0010273740131223098 | 0.0009639038289879555 | 0.0005480224327146313 | 0.00047722108557186264 | 0 | 0 | #DIV/0! | 0.0006179403401838478 1540 | Services d'enseignement | 0.005197687772019725 | 0 | 0.0017805374608708155 | 0.001298161573706307 | 7.497509902450452e-05 | 0.0004997557863964123 | 0 | 0 | #DIV/0! | 0.0014782493484086067 1550 | Autres services | 0.007051141784316987 | 0.018424584590087518 | 0.007547812036385955 | 0.00632821023085408 | 0.010782192081092629 | 0.06103076614736843 | 0 | 0 | #DIV/0! | 0.01256635357139119 1560 | Crédit à la consommation | 0.1468883288683553 | 0.01855745243809168 | 0.08582217477012807 | 0.11104685778129479 | 0.056294584815105804 | 0.019854358647592576 | 0.0373080212110707 | 0 | #DIV/0! | 0.08510868161171437 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999977108431302 | 0.9696415394103686 | 1 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 1.0000000000000004 (1) Commerce de gros Import-export | 0.022489215714657944 | 0.03335869548701081 | 0.055365101798575914 | 0.04930485462357844 | 0.06242967182769784 | 0.031298084516983155 | 0 | 0 | #DIV/0! | 0.04587976993828089 Produits pétroliers | 0 | 0 | 0.04624955356332907 | 0.010674464894227569 | 3.223166765313896e-06 | 0.012151544396052816 | 0 | 0 | #DIV/0! | 0.009468163093070676 Produits pharmaceutiques | 0 | 0 | 0.0012817042820849427 | 0.0020036545727208405 | 0.0025821966353038986 | 0.001828117295459481 | 0 | 0 | #DIV/0! | 0.0016513691296774823 Produits alimentaires | 0.019523411005323635 | 0.00810056920387879 | 0.05067771799187462 | 0.05777333830706692 | 0.08301677841175037 | 0.08672989977359215 | 0 | 0 | #DIV/0! | 0.058027266134976684 Matériaux de construction | 0 | 0.10755115650460512 | 0.06064650670160599 | 0.013126753041398086 | 0.03265911777725815 | 0.07871892234283977 | 0 | 0 | #DIV/0! | 0.028632819422342737 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.08428114526967054 | 0.07855295376620139 | 0.022812904719868667 | 0.0342893129169989 | 0.034266169801867336 | 0.002468562306509492 | 0 | 0.07818031013172717 | #DIV/0! | 0.03776163438655583 S-Total | 0.1262937719896521 | 0.2275633749616961 | 0.2370334890573392 | 0.16717237835599078 | 0.2149571576206429 | 0.21319513063143686 | - | 0.07818031013172717 | #DIV/0! | 0.18142102210490432 (2) Commerce de détail Produits pétroliers | 0.0014484527880471898 | 0.0035191700102104643 | 0.0060412809498363385 | 0.0015587653489249065 | 0.0035463271425771646 | 0.0025292079839346233 | 0 | 0.2171675281436866 | #DIV/0! | 0.004064621586074254 Produits pharmaceutiques | 8.797544048876642e-05 | 0 | 6.233273708010367e-05 | 4.250977862214704e-05 | 2.2151575916413323e-05 | 0.004850071408473294 | 0 | 0 | #DIV/0! | 0.0004628634642145044 Véhicules automobiles | 0.006972098544163559 | 0 | 0.018226994989193532 | 0.057521539973950195 | 0.11629795324116977 | 0.058833387985043575 | 0 | 0 | #DIV/0! | 0.059690328654320654 Produits alimentaires | 2.827782015710349e-06 | 0 | 0.037422323362110176 | 0.016974905220791824 | 0.022949518939150287 | 0.015303203618614609 | 0 | 0.008686701125747464 | #DIV/0! | 0.01747345461275361 Librairie ,papeterie | 3.415781133262818e-05 | 0 | 0 | 0.000607310641729282 | 0.0028782709132617757 | 0 | 0 | 0 | #DIV/0! | 0.0010485198162242663 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.003379757764949144 | 0.008110552980822371 | 0.01322736041070386 | 0.02827854623452611 | 0 | 0 | #DIV/0! | 0.009133110865973954 Matériaux de construction | 0.0013765014456474487 | 0 | 0 | 0.0051758903718589246 | 0.016249953496746395 | 1.4328374336706802e-05 | 0 | 0 | #DIV/0! | 0.00659301435080459 Autres | 0.0019411601402131026 | 0.29854203992689665 | 0.00427885797514355 | 0.08238373931858792 | 0.02638968807195048 | 0.004844156788834306 | 0 | 0 | #DIV/0! | 0.03524026391007838 S-Total | 0.011863173951908404 | 0.3020612099371071 | 0.06941154777831283 | 0.17237521363528757 | 0.20156122379147617 | 0.11465290239376322 | - | 0.22585422926943405 | #DIV/0! | 0.1337061772604442 [Secteur d'activité sept 19 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2019 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3077992 | 739069.13745 | 4955802.56776 | 13042793.030000001 | 17387418.11 | 3935702.039 | 0 | 261285.36 | 0 | 43400062.24421 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3106629 | 53723.03168 | 980454.4835599998 | 2029799.1590000002 | 2376757.02 | 3498834.9159999997 | 185067.85 | 122789.05442 | 0 | 12354054.514659999 Industries Manufacturières ( 200 à 290 ) | 835503 | 3907.2825700000003 | 2587283.77244 | 5598470.089000001 | 7045892.830000002 | 2093909.1120000002 | 12502.61 | 349299.06700000004 | 0 | 18526767.763010003 Prêts aux Particuliers ( 1560 ) | 3272517 | 25896.155039999998 | 1387908.76986 | 4265561.638 | 2349998.29 | 238334.762 | 181151.5 | 0 | 0 | 11721368.114899999 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5498536 | 392715.55188000004 | 3316100.7675300003 | 6122919.846 | 6690978.98 | 696278.7710000001 | 4476842.45 | 0 | 0 | 27194372.366410002 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 4137985 | 59016.05629 | 350972.43287 | 373583.311 | 2973228.74 | 110574.568 | 0 | 0 | 0 | 8005360.108159999 Bâtiments et Travaux Publics ( 600 ) | 943213 | 121131.30109000001 | 1761266.9228 | 4136589.034 | 1503887.35 | 1231958.092 | 0 | 0 | 0 | 9698045.69989 Électricité, Gaz et Eau ( 300 à 500 ) | 1406570 | 0 | 831012.46417 | 2830713.028 | 128302.87 | 198560.895 | 0 | 126020.19311 | 0 | 5521179.45028 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1111.12204 | 11838.652 | 1288195.5799999998 | 0 | 0 | 0 | 0 | 1301145.35404 Total | 22278945 | 1395458.516 | 16171913.30303 | 38412267.787 | 41744659.77 | 12004153.155 | 4855564.41 | 859393.6745300001 | 0 | 137722355.61556 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.13815699082698935 | 0.529624585020627 | 0.3064450368300869 | 0.3395475919912784 | 0.41651838117256734 | 0.32786169821239675 | 0 | 0.30403453940116115 | #DIV/0! | 0.31512721409846856 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13944237485213057 | 0.03849847993618178 | 0.06062699355284697 | 0.052842471323365926 | 0.05693559447112964 | 0.29146870010923315 | 0.038114590678450085 | 0.14287870397365093 | #DIV/0! | 0.08970260826169188 Industries Manufacturières ( 200 à 290 ) | 0.037501910436064184 | 0.0027999990864651402 | 0.159986250480037 | 0.14574692960186825 | 0.1687854894211778 | 0.17443205571963566 | 0.0025749035424699473 | 0.40644826387747235 | #DIV/0! | 0.13452258843673764 Prêts aux Particuliers ( 1560 ) | 0.1468883288683553 | 0.01855745243809168 | 0.08582217477012809 | 0.11104685778129479 | 0.0562945848151058 | 0.01985435864759258 | 0.0373080212110707 | 0 | #DIV/0! | 0.08510868161171437 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24680414624660188 | 0.281424024703863 | 0.2050530883633101 | 0.15940011352498695 | 0.16028347139167498 | 0.05800315624180322 | 0.9220024845680093 | 0 | #DIV/0! | 0.19745793807303683 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.18573523117903473 | 0.04229151609548814 | 0.02170259178944777 | 0.009725624976675631 | 0.07122416990296625 | 0.00921135931641652 | 0 | 0 | #DIV/0! | 0.058126802089460826 Bâtiments et Travaux Publics ( 600 ) | 0.04233651997435246 | 0.08680394271928324 | 0.10890900104380388 | 0.1076892688798749 | 0.03602586194943133 | 0.10262765528669232 | 0 | 0 | #DIV/0! | 0.07041736729337722 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06313449761647151 | 0 | 0.05138615626972846 | 0.0736929421531839 | 0.0030735157672121083 | 0.01654101646622985 | 0 | 0.1466384927477155 | #DIV/0! | 0.04008920284294217 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 6.870690061093873e-05 | 0.00030819976747133366 | 0.03085893110873472 | 0 | 0 | 0 | #DIV/0! | 0.009447597292570527 Total | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | #DIV/0! | 1 [Secteur d' activité juin 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2019 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 132928.89106999998 | 14719.406 | 950609.98 | 0 | 0 | 0 | 0 | 1098258.2770699998 200 | Industrie alimentaire | 1028133.443582464 | 1209.3326299999999 | 717573.5675700001 | 449070.618 | 2337244.59 | 600071.853 | 13124.73 | 177846.11216999998 | 0 | 5324274.246952464 210 | Industrie des boissons | 112.95727000000001 | 0 | 669321.09518 | 1293778.82 | 2012404.17 | 440037.061 | 0 | 0 | 0 | 4415654.10345 220 | Industrie du bois | 52294.515928128 | 0 | 153.56659 | 1372.087 | 0 | 943.204 | 0 | 0 | 0 | 54763.373518128 230 | Industrie chimique | 0 | 0 | 72596.33784000001 | 391553.32 | 13063.24 | 23238.905 | 0 | 170871.75483000002 | 0 | 671323.55767 240 | Industrie du textile | 7098.49261 | 0 | 415820.12357 | 1161791.434 | 123068.5 | 121573.69 | 0 | 0 | 0 | 1829352.2401799997 250 | Industrie pharmacie | 0 | 0 | 16228.457980000001 | 0 | 19593.31 | 63660.14 | 0 | 0 | 0 | 99481.90798 260 | Imprimerie, édition | 97984.410306064 | 0 | 7744.31192 | 133845.491 | 131494.61 | 77675.588 | 0 | 0 | 0 | 448744.41122606397 270 | Sidérurgie, aciérie | 21367.237100000002 | 0 | 109462.60547 | 276197.892 | 0 | 328038.816 | 0 | 0 | 0 | 735066.55057 280 | Industrie de la fabrication | 40596.918880000005 | 2438.73056 | 380026.62731 | 1459836.656 | 802775.5 | 291545.609 | 0 | 0 | 0 | 2977220.04175 290 | Autres industries | 0 | 0 | 47112.48365 | 1353.79 | 1963003.51 | 121568.788 | 0 | 0 | 0 | 2133038.5716500003 300 | Production et distribution de l'électricité | 1284192.171060048 | 0 | 363381.89041000005 | 2790333.834 | 0 | 5461.607 | 0 | 55815.36 | 0 | 4499184.862470048 400 | Production et distribution de gaz | 0 | 0 | 4.41965 | 573896.145 | 84472.47 | 191911.698 | 0 | 0 | 0 | 850284.73265 500 | Traitement et distribution de l'eau | 0 | 0 | 477765.12544 | 46682.032 | 51883.37 | 8823.588 | 0 | 0 | 0 | 585154.11544 600 | Entrep/ batiment et corps/ métiers corresp. | 965585.74211 | 133817.75555 | 1564904.1750999999 | 3093652.696 | 1923533.05 | 1261283.856 | 0 | 0 | 0 | 8942777.274759999 700 | Commerce de gros(1) | 2790374.5146318716 | 320375.87580000004 | 3206367.5566100003 | 5692375.329 | 7540497.99 | 2326418.183 | 0 | 80190 | 0 | 21956599.449041873 800 | Commerce de détail(2) | 285660.9283142239 | 441852.75201 | 1132191.92213 | 6536042.906 | 7636465.83 | 1382924.112 | 0 | 194961.2 | 0 | 17610099.650454223 900 | Rest/débits/boissons, casinos/activités/loterie | 130842.34307999999 | 34.29018 | 10740.01753 | 2954.185 | 22219.08 | 21814.921 | 0 | 0 | 0 | 188604.83679 1000 | Hotels,motels et pensions | 1426934.6976499998 | 0 | 156184.42784 | 858092.57 | 38257.32 | 335101.712 | 168310.15 | 0 | 0 | 2982880.8774899994 1100 | Transport | 2278121.38308 | 146743.20629 | 318642.00467 | 318060.748 | 1478475.41 | 77524.593 | 0 | 0 | 0 | 4617567.345040001 1200 | Immobilier résidentiel / Avance Hypothécaire | 2085529.9400100005 | 257709.35161 | 1874958.14502 | 427160.685 | 2769893.14 | 461379.767 | 3440071.98 | 0 | 0 | 11316703.008639999 1300 | Immobilier commercial | 3440790.9073317274 | 60059.12648 | 1449671.8254200001 | 5186527.35 | 4849050.19 | 186852.203 | 919960.3 | 0 | 0 | 16092911.902231729 1400 | Télécommunications | 3569.68165 | 0 | 30318.54148 | 38513.403 | 1500004.52 | 34986.508 | 0 | 0 | 0 | 1607392.65413 1500 | Services financiers | 258271.943396464 | 0 | 369340.56861 | 1507067.808 | 1813906.89 | 1958035.092 | 0 | 160026.11051 | 0 | 6066648.412516464 1510 | Services professionnels | 888792.1279190399 | 25906.20001 | 557606.3703099999 | 136197.814 | 343273.76 | 401386.156 | 0 | 0 | 0 | 2353162.42823904 1520 | Services médicaux | 2077.17025 | 0 | 8967.43273 | 4495.739 | 4584.51 | 38099.967 | 0 | 0 | 0 | 58224.81898 1530 | Services d'agence ou de représentation | 1625.0115600000001 | 941.2188100000001 | 14153.83679 | 32401.215 | 30820.31 | 3420.404 | 0 | 0 | 0 | 83361.99616 1540 | Services d'enseignement | 110728.17501999998 | 0 | 23569.8477 | 85128.237 | 4599.82 | 7215.278 | 0 | 0 | 0 | 231241.35771999997 1550 | Autres services | 188932.48433284805 | 25322.85698 | 178220.80933000002 | 346233.874 | 567401.24 | 584996.412 | 0 | 0 | 0 | 1891107.6766428482 1560 | Crédit à la consommation | 3166004.6182699846 | 25833.84163 | 1383887.28343 | 4095735.906 | 2521070.3 | 246128.142 | 302953.74 | 0 | 0 | 11741613.831329985 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 20555621.815342862 | 1442244.5385399999 | 15689844.268349998 | 36955071.989999995 | 41533666.61 | 11602117.853 | 4844420.9 | 839710.5375099999 | 0 | 133462698.51274285 (1) Commerce de gros Import-export | 508908 | 47438.8891 | 1140637.59801 | 1549272.247 | 2180752.72 | 241434 | 0 | 5668443.45411 Produits pétroliers | 0 | 361695.25393 | 179731.343 | 351.73 | 135257 | 0 | 677035.32693 Produits pharmaceutiques | 0 | 19382.305170000003 | 83347.608 | 107613.61 | 21463 | 0 | 231806.52317 Produits alimentaires | 417929 | 11234.01665 | 662081.46881 | 2027839.647 | 2643078.59 | 1026626 | 0 | 6788788.72246 Matériaux de construction | 149646.90081 | 638621.04038 | 349173.299 | 1370981.93 | 865325 | 0 | 3373748.17019 Appareils électroménagers électron.,équipe.inform. | 112056.06924 | 0 | 0 | 0 | 0 | 0 | 112056.06924 Autres | 2790375 | 0 | 383949.89032 | 1503011.183 | 1237719.41 | 36313 | 30190 | 0 | 5981558.483320001 S-Total | 3717212 | 320375.8758 | 3206367.55662 | 5692375.327 | 7540497.99 | 2326418 | 0 | 30190 | 0 | 22833436.749420002 (2) Commerce de détail Produits pétroliers | 34467 | 4910.85576 | 57805.35254 | 44069.575 | 121151.52 | 33315 | 186051.2 | 481770.50330000004 Produits pharmaceutiques | 2230 | 1162.62956 | 1785.127 | 1000.7 | 63039 | 0 | 69217.45656 Véhicules automobiles | 168373 | 325406.21855 | 2244150.71 | 5286612.56 | 751518 | 0 | 8776060.48855 Produits alimentaires | 286 | 612286.46949 | 450868.908 | 497833.82 | 89199 | 8910 | 0 | 1659384.1974900002 Librairie ,papeterie | 761 | 0 | 27480.784 | 155154.49 | 0 | 0 | 183396.27399999998 Appareils électro- ménagers électroni.équip. inform. | 31803 | 55364.38193 | 393914.663 | 301381.12 | 324149 | 0 | 1106612.16493 Matériaux de construction | 0 | 0 | 204216.712 | 269215.15 | 6 | 0 | 473437.862 Autres | 47740 | 436941.89625 | 80166.87006 | 3169556.426 | 1004116.47 | 121698 | 0 | 4860219.66231 S-Total | 285660 | 441852.75201 | 1132191.92213 | 6536042.904999999 | 7636465.83 | 1382924 | 0 | 194961.2 | 0 | 17610098.60914 [Secteur d'activité juin 19 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2019 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.008472288749108105 | 0.0003983054343388387 | 0.02288769708020729 | 0 | 0 | 0 | #DIV/0! | 0.008228953028138716 200 | Industrie alimentaire | 0.050017141433058375 | 0.0008385073388623962 | 0.045734906943436654 | 0.01215179930163627 | 0.0562734952333167 | 0.05172088928960822 | 0.0027092464240669094 | 0.21179454612701232 | #DIV/0! | 0.03989335077354298 210 | Industrie des boissons | 0 | 0 | 0.04265951170274988 | 0.03500950614708843 | 0.04845236007926823 | 0.03792730487444739 | 0 | 0 | #DIV/0! | 0.0330853051276226 220 | Industrie du bois | 0.002544049331025102 | 0 | 9.78764271802104e-06 | 3.712851649622778e-05 | 0 | 8.129584718501307e-05 | 0 | 0 | #DIV/0! | 0.0004103271860106984 230 | Industrie chimique | 0 | 0 | 0.004626963569450043 | 0.01059538782946909 | 0.0003145217137380012 | 0.0020029881866775756 | 0 | 0.20348887765144325 | #DIV/0! | 0.005030046336174619 240 | Industrie du textile | 0.00034533095976214327 | 0 | 0.02650250164743854 | 0.03143794265410657 | 0.0029631022263362844 | 0.010478577406327955 | 0 | 0 | #DIV/0! | 0.013706842889928047 250 | Industrie pharmacie | 0 | 0 | 0.0010343288118376363 | 0 | 0.0004717452514843115 | 0.005486941333175579 | 0 | 0 | #DIV/0! | 0.0007453911024472625 260 | Imprimerie, édition | 0.004766793784507542 | 0 | 0.000493587558139251 | 0.003621843600689466 | 0.003165976441105737 | 0.0066949490587974985 | 0 | 0 | #DIV/0! | 0.0033623208299150224 270 | Sidérurgie, aciérie | 0.001039483859546946 | 0 | 0.006976653406994682 | 0.007473883208094923 | 0 | 0.02827404618331625 | 0 | 0 | #DIV/0! | 0.005507655388069474 280 | Industrie de la fabrication | 0.0019749788765669046 | 0.001690927228241581 | 0.024221185424803775 | 0.039503012100613154 | 0.01932830798537582 | 0.025128654327934968 | 0 | 0 | #DIV/0! | 0.02230750670357335 290 | Autres industries | 0 | 0 | 0.003002737493388424 | 3.6633401779499556e-05 | 0.04726294763312254 | 0.010478154897260032 | 0 | 0 | #DIV/0! | 0.015982282655901344 300 | Production et distribution de l'électricité | 0.06247401234544595 | 0 | 0.023160324869700866 | 0.07550611279434286 | 0 | 0.00047074224457974915 | 0 | 0.06646976250352855 | #DIV/0! | 0.03371117857354331 400 | Production et distribution de gaz | 0 | 0 | 2.8168858303555275e-07 | 0.015529563713346187 | 0.002033831272186831 | 0.01654109193093369 | 0 | 0 | #DIV/0! | 0.00637095414767757 500 | Traitement et distribution de l'eau | 0 | 0 | 0.030450597040262626 | 0.0012632104197397346 | 0.0012491882907228835 | 0.0007605152879668821 | 0 | 0 | #DIV/0! | 0.004384401948714758 600 | Entrep/ batiment et corps/ métiers corresp. | 0.04697429008882037 | 0.09278437322804162 | 0.09973994313358286 | 0.0837138863330354 | 0.046312623156099436 | 0.10871151905027972 | 0 | 0 | #DIV/0! | 0.06700581791328124 700 | Commerce de gros(1) | 0.13574751178527308 | 0.22213700051471166 | 0.20435942522883904 | 0.154035022054357 | 0.1815514642808946 | 0.20051668259846628 | 0 | 0.09549719387562769 | #DIV/0! | 0.16451487714333518 800 | Commerce de détail(2) | 0.013896973338019118 | 0.3063646560640073 | 0.07216081324745141 | 0.17686456970693082 | 0.18386206789075973 | 0.119195833857386 | 0 | 0.23217667433127603 | #DIV/0! | 0.1319477265685051 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006365282658700129 | 2.377556585148336e-05 | 0.0006845203398012732 | 7.993990651132811e-05 | 0.0005349655307015526 | 0.0018802533534305755 | 0 | 0 | #DIV/0! | 0.0014131651681836199 1000 | Hotels,motels et pensions | 0.06941822098443773 | 0 | 0.009954491910098794 | 0.023219886304975915 | 0.000921115883151738 | 0.02888280538482477 | 0.034743089726163134 | 0 | #DIV/0! | 0.022349921818830883 1100 | Transport | 0.1108271694986913 | 0.10174641149173619 | 0.020308806079915896 | 0.00860668727924727 | 0.03559703562613058 | 0.006681934624543931 | 0 | 0 | #DIV/0! | 0.03459818658319067 1200 | Immobilier résidentiel | 0.10145788625345044 | 0.17868630785101258 | 0.11950138656265819 | 0.011558919033240939 | 0.06669031092316557 | 0.03976685746910418 | 0.71011005257615 | 0 | #DIV/0! | 0.08479300309936035 1300 | Immobilier commercial | 0.16738928835339326 | 0.0416428177573815 | 0.09239555222000001 | 0.1403468338907165 | 0.11674987030479274 | 0.01610500818621533 | 0.18990098486281404 | 0 | #DIV/0! | 0.12057984801420149 1400 | Télécommunications | 0.00017365962859540275 | 0 | 0.0019323672664590705 | 0.001042168257997757 | 0.036115388850327175 | 0.0030155277203078416 | 0 | 0 | #DIV/0! | 0.012043759582581257 1500 | Services financiers | 0.012564540528941235 | 0 | 0.023540104177773413 | 0.040781081644430596 | 0.04367317017860562 | 0.16876531654035076 | 0 | 0.19057294551111226 | #DIV/0! | 0.04545576014962134 1510 | Services professionnels | 0.043238396576047104 | 0.01796241852038846 | 0.03553931834969321 | 0.0036854971906658714 | 0.008264951977953964 | 0.034595938524810986 | 0 | 0 | #DIV/0! | 0.01763161133756308 1520 | Services médicaux | 0.00010105119994227494 | 0 | 0.0005715437691175407 | 0.00012165418054703133 | 0.00011038057494534312 | 0.003283880364148202 | 0 | 0 | #DIV/0! | 0.0004362628631732691 1530 | Services d'agence ou de représentation | 7.905436160472071e-05 | 0.0006526069503808323 | 0.0009021018021543734 | 0.0008767731533243323 | 0.0007420560840294182 | 0.000294808589546914 | 0 | 0 | #DIV/0! | 0.0006246089513321259 1540 | Services d'enseignement | 0.0053867587181114455 | 0 | 0.0015022359238801221 | 0.0023035603075820177 | 0.00011074919157011069 | 0.000621893182901458 | 0 | 0 | #DIV/0! | 0.0017326291188239488 1550 | Autres services | 0.009191280421000326 | 0.017557949642599865 | 0.011358991605130979 | 0.009369048830257739 | 0.01366123644531272 | 0.05042151953737786 | 0 | 0 | #DIV/0! | 0.014169559717558743 1560 | Crédit à la consommation | 0.15402134981423216 | 0.017912247846784624 | 0.08820274183483243 | 0.11083014280443837 | 0.060699439894695104 | 0.021214070148094365 | 0.06253662641080587 | 0 | #DIV/0! | 0.08797674527919808 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.999994504799173 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.024757606681601207 | 0.03289240335624562 | 0.07269910258516248 | 0.04192312891229738 | 0.05250566342907331 | 0.020809476602374935 | 0 | 0 | #DIV/0! | 0.0424721178072747 Produits pétroliers | 0 | 0 | 0.02305282625778651 | 0.004863509481151467 | 8.468551628314812e-06 | 0.011657957772341205 | 0 | 0 | #DIV/0! | 0.005072843082558814 Produits pharmaceutiques | 0 | 0 | 0.0012353408254725984 | 0.002255376691528399 | 0.002590997106287024 | 0.0018499208740971578 | 0 | 0 | #DIV/0! | 0.0017368637510942237 Produits alimentaires | 0.02033161554315301 | 0.0077892592759424275 | 0.04219809052825143 | 0.05487310774414758 | 0.06363701560034263 | 0.08848608616180724 | 0 | 0 | #DIV/0! | 0.050866562703374495 Matériaux de construction | 0 | 0.10375972784857221 | 0.04070282849577064 | 0.009448589332865754 | 0.033008930872236324 | 0.07458336580991115 | 0 | 0 | #DIV/0! | 0.02527858501128597 Appareils électroménagers électron.,équipe.inform. | 0 | 0.07769561003395138 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0.0008396059010398402 Autres | 0.13574753539770051 | 0 | 0.024471236537032728 | 0.04067130983824665 | 0.029800388721327002 | 0.0031298596049522476 | 0 | 0.03595286548329218 | #DIV/0! | 0.044818204262136126 S-Total | 0.1808367576224547 | 0.22213700051471164 | 0.2043594252294764 | 0.15403502200023722 | 0.1815514642808946 | 0.20051666682548394 | - | 0.03595286548329218 | #DIV/0! | 0.17108478251876416 (2) Commerce de détail Produits pétroliers | 0.0016767675679980444 | 0.0034050090874126757 | 0.003684252791253423 | 0.001192517633626182 | 0.0029169473800040213 | 0.0028714585062920754 | 0 | 0.22156587501176186 | #DIV/0! | 0.003609776429434335 Produits pharmaceutiques | 0.00010848613678694518 | 0 | 7.41007711813488e-05 | 4.830533141656586e-05 | 2.4093707145977403e-05 | 0.005433404555850101 | 0 | 0 | #DIV/0! | 0.0005186277314285774 Véhicules automobiles | 0.008191092515349023 | 0 | 0.020739926603759777 | 0.06072646024359701 | 0.12728499531816317 | 0.06477420842658285 | 0 | 0 | #DIV/0! | 0.06575665400405548 Produits alimentaires | 1.39134686641553e-05 | 0 | 0.03902438156923723 | 0.012200460822319726 | 0.011986271876129937 | 0.0076881653100029064 | 0 | 0.010610799319514188 | #DIV/0! | 0.012433318192884915 Librairie ,papeterie | 3.702150228469295e-05 | 0 | 0 | 0.0007436268560763803 | 0.0037356319021120007 | 0 | 0 | 0 | #DIV/0! | 0.0013741388121452493 Appareils électro- ménagers électroni.équip. inform. | 0.0015471679857557029 | 0 | 0.0035286763197313956 | 0.01065928549960863 | 0.007256309028286872 | 0.027938778428817947 | 0 | 0 | #DIV/0! | 0.00829154645651303 Matériaux de construction | 0 | 0 | 0 | 0.00552608075165598 | 0.006481853685780333 | 5.171469619616525e-07 | 0 | 0 | #DIV/0! | 0.0035473421958030975 Autres | 0.0023224790000936153 | 0.3029596469765946 | 0.005109475192288231 | 0.08576783254157044 | 0.024175964993137407 | 0.010489291829468197 | 0 | 0 | #DIV/0! | 0.03641631494395381 S-Total | 0.013896928176932178 | 0.3063646560640073 | 0.0721608132474514 | 0.1768645696798709 | 0.1838620678907597 | 0.11919582420397605 | - | 0.23217667433127606 | #DIV/0! | 0.13194771876621847 [Secteur d'activité juin19 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2019 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 3076035.4429461 | 762228.62781 | 4338559.47874 | 12228418.235 | 15176963.82 | 3709342.295 | 0 | 275151.2 | 0 | 39566699.099496104 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 3008203.9532083515 | 52204.56598 | 1318783.3108400002 | 2972571.4420000003 | 2825062.9299999997 | 3350069.9420000003 | 168310.15 | 160026.11051 | 0 | 13855232.40453835 Industries Manufacturières ( 200 à 290 ) | 1247587.975676656 | 3648.06319 | 2436039.17708 | 5168800.108 | 7402647.43 | 2068353.6539999996 | 13124.73 | 348717.86699999997 | 0 | 18688919.004946653 Prêts aux Particuliers ( 1560 ) | 3166004.6182699846 | 25833.84163 | 1383887.28343 | 4095735.906 | 2521070.3 | 246128.142 | 302953.74 | 0 | 0 | 11741613.831329985 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5526320.847341727 | 317768.47809 | 3324629.9704400003 | 5613688.034999999 | 7618943.33 | 648231.97 | 4360032.28 | 0 | 0 | 27409614.91087173 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 2281691.06473 | 146743.20629 | 348960.54615 | 356574.151 | 2978479.9299999997 | 112511.101 | 0 | 0 | 0 | 6224959.99917 Bâtiments et Travaux Publics ( 600 ) | 965585.74211 | 133817.75555 | 1564904.1750999999 | 3093652.696 | 1923533.05 | 1261283.856 | 0 | 0 | 0 | 8942777.274759999 Électricité, Gaz et Eau ( 300 à 500 ) | 1284192.171060048 | 0 | 841151.4355 | 3410912.011 | 136355.84 | 206196.89299999998 | 0 | 55815.36 | 0 | 5934623.710560048 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 132928.89106999998 | 14719.406 | 950609.98 | 0 | 0 | 0 | 0 | 1098258.2770699998 Total | 20555621.815342866 | 1442244.53854 | 15689844.268350003 | 36955071.99 | 41533666.61 | 11602117.853 | 4844420.9 | 839710.5375099999 | 0 | 133462698.51274288 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1496444851232924 | 0.5285016565787188 | 0.27652023847629037 | 0.33089959176128775 | 0.36541353217165434 | 0.31971251645585225 | 0 | 0.32767386820690375 | #DIV/0! | 0.29646260371184024 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.14634458544878493 | 0.03619675067922064 | 0.0840533078776497 | 0.08043744151829482 | 0.06801862586627046 | 0.28874641547739155 | 0.034743089726163134 | 0.19057294551111226 | #DIV/0! | 0.10381351912508698 Industries Manufacturières ( 200 à 290 ) | 0.06069327344529404 | 0.0025294345671039767 | 0.15526216420095684 | 0.1398671367599736 | 0.17823245656374762 | 0.17827380140473045 | 0.0027092464240669094 | 0.4152834237784555 | #DIV/0! | 0.14003102899318534 Prêts aux Particuliers ( 1560 ) | 0.15402134981423213 | 0.017912247846784624 | 0.0882027418348324 | 0.11083014280443836 | 0.060699439894695104 | 0.021214070148094365 | 0.06253662641080587 | 0 | #DIV/0! | 0.08797674527919805 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.26884717460684365 | 0.22032912560839404 | 0.21189693878265814 | 0.15190575292395742 | 0.1834401812279583 | 0.05587186565531951 | 0.900011037438964 | 0 | #DIV/0! | 0.2053728511135618 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11100082912728669 | 0.10174641149173617 | 0.02224117334637496 | 0.009648855537245024 | 0.07171242447645775 | 0.009697462344851773 | 0 | 0 | #DIV/0! | 0.04664194616577191 Bâtiments et Travaux Publics ( 600 ) | 0.04697429008882036 | 0.0927843732280416 | 0.09973994313358284 | 0.08371388633303539 | 0.046312623156099436 | 0.10871151905027972 | 0 | 0 | #DIV/0! | 0.06700581791328122 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06247401234544594 | 0 | 0.05361120359854651 | 0.09229888692742876 | 0.0032830195629097144 | 0.01777234946348032 | 0 | 0.06646976250352855 | #DIV/0! | 0.04446653466993563 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.008472288749108103 | 0.00039830543433883866 | 0.02288769708020729 | 0 | 0 | 0 | #DIV/0! | 0.008228953028138714 Total | 1.0000000000000002 | 0.9999999999999998 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1 | 1.0000000000000002 | #DIV/0! | 1 [Secteur d' activité mars 19 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2019 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 98925.80254 | 15490.479 | 871573.49 | 0 | 0 | 0 | 0 | 985989.77154 200 | Industrie alimentaire | 847222 | 1209.3326299999999 | 628419.25241 | 372290.723 | 1609119.45 | 582148.378 | 13548.62 | 167218.22217 | 0 | 4221175.97821 210 | Industrie des boissons | 200 | 0 | 500545.69093 | 1350918.479 | 3857342.1 | 410293.888 | 0 | 0 | 0 | 6119300.157930001 220 | Industrie du bois | 45600 | 0 | 96.53982 | 12156.266 | 852.01 | 28963.797 | 0 | 0 | 0 | 87668.61282 230 | Industrie chimique | 28 | 0 | 13386.478939999999 | 471919.235 | 15861.86 | 9205.686 | 0 | 160660.64483 | 0 | 671061.9047699999 240 | Industrie du textile | 13830 | 0 | 386817.95548 | 1088543.565 | 68831.81 | 179209.008 | 0 | 33042.44 | 0 | 1770274.7784799999 250 | Industrie pharmacie | 0 | 0 | 18320.701129999998 | 0 | 26193.49 | 147411.154 | 0 | 0 | 0 | 191925.34513 260 | Imprimerie, édition | 4143 | 0 | 4132.34918 | 93187.506 | 111128.75 | 55545.629 | 0 | 0 | 0 | 268137.23418 270 | Sidérurgie, aciérie | 19275 | 0 | 96864.66437 | 287897.964 | 0 | 348072.793 | 0 | 0 | 0 | 752110.42137 280 | Industrie de la fabrication | 42414 | 2664.82652 | 328870.52189 | 1334172.019 | 641096.67 | 261382.786 | 0 | 0 | 0 | 2610600.8234099997 290 | Autres industries | 0 | 0 | 44140.562439999994 | 3572.031 | 271547.03 | 106744.424 | 0 | 0 | 0 | 426004.04744 300 | Production et distribution de l'électricité | 835624 | 0 | 374041.55511 | 2250900.74 | 0 | 5004.494 | 0 | 178429.176 | 0 | 3643999.96511 400 | Production et distribution de gaz | 0 | 0 | 7308.42373 | 530560.475 | 40854.57 | 171126.452 | 0 | 0 | 0 | 749849.9207299999 500 | Traitement et distribution de l'eau | 0 | 0 | 486723.61318 | 42486.938 | 36821.2 | 11019.794 | 0 | 0 | 0 | 577051.5451799999 600 | Entrep/ batiment et corps/ métiers corresp. | 969417 | 117968.64008 | 1376833.3030899998 | 3641377.204 | 1838086.3 | 1294316.056 | 0 | 0 | 0 | 9237998.50317 700 | Commerce de gros(1) | 2307209 | 298220.53396 | 2761292.86391 | 6005539.1 | 5925972.14 | 2056406.556 | 0 | 38700 | 0 | 19393340.19387 800 | Commerce de détail(2) | 337200 | 424631.10247000004 | 1122466.50881 | 6184274.206 | 7418369.19 | 1224199.433 | 0 | 48907.294 | 0 | 16760047.73428 900 | Rest/débits/boissons, casinos/activités/loterie | 118135 | 34.29018 | 10856.44436 | 3571.791 | 23362.91 | 25845.508 | 0 | 0 | 0 | 181805.94354 1000 | Hotels,motels et pensions | 948195 | 0 | 58313.318049999994 | 811556.416 | 43423.36 | 321419.163 | 166765.37 | 0 | 0 | 2349672.6270500002 1100 | Transport | 1984910 | 141709.12316 | 271416.53914 | 320847.326 | 1409393.34 | 83409.874 | 0 | 0 | 0 | 4211686.2023 1200 | Immobilier résidentiel / Avance Hypothécaire | 2040519 | 269481.10802999994 | 1622116.87545 | 474152.812 | 2656904.16 | 360553.54 | 3745497.44 | 0 | 0 | 11169224.93548 1300 | Immobilier commercial | 3376706 | 60464.05072 | 1633457.226 | 4879002.443 | 4459777.43 | 176950.643 | 540143 | 0 | 0 | 15126500.79272 1400 | Télécommunications | 9064 | 0 | 33542.66662 | 36144.098 | 1506010.77 | 32833.183 | 0 | 0 | 0 | 1617594.71762 1500 | Services financiers | 337317 | 0 | 629472.46057 | 1511713.274 | 1800869.3 | 1929605.947 | 0 | 201853.98868 | 0 | 6410831.97025 1510 | Services professionnels | 820020 | 24867.21817 | 226449.55718 | 126335.376 | 259896.89 | 329234.217 | 0 | 0 | 0 | 1786803.25835 1520 | Services médicaux | 2339 | 0 | 5100.435769999999 | 4693.75 | 3935.29 | 40875.743 | 0 | 0 | 0 | 56944.21877000001 1530 | Services d'agence ou de représentation | 1258 | 941.2188100000001 | 17377.773149999997 | 31677.65 | 19342.18 | 11399.556 | 0 | 0 | 0 | 81996.37796 1540 | Services d'enseignement | 46035 | 0 | 22732.41923 | 50537.16 | 7558.15 | 8003.806 | 0 | 0 | 0 | 134866.53523 1550 | Autres services | 200797 | 9840.29603 | 34533.685359999996 | 619333.164 | 396406.88 | 487404.507 | 0 | 0 | 0 | 1748315.53239 1560 | Crédit à la consommation | 2903976 | 25915.75807 | 1348244.84595 | 4187131.455 | 2640888.03 | 236886.488 | 157732.14 | 0 | 0 | 11500774.71702 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 18211433 | 1377947.49883 | 14162801.033789998 | 36741983.645 | 37961418.75 | 10935472.503 | 4623686.569999999 | 828811.76568 | 0 | 124843554.7663 (1) Commerce de gros Import-export | 455229.904172949 | 46692.91004 | 1239023.95009 | 1407079.21 | 1584484.42 | 201263 | 0 | 4933773.394302949 Produits pétroliers | 263738.48050999996 | 1072461.139 | 564 | 128100 | 0 | 1464863.6195099999 Produits pharmaceutiques | 16534.92931 | 87996.935 | 90721.27 | 20396 | 0 | 215649.13431 Produits alimentaires | 250628.150877273 | 11546.014 | 823948.42317 | 2057910.48 | 1935265.21 | 958846 | 0 | 6038144.278047273 Matériaux de construction | 0 | 134004.1537 | 76924.63028 | 238059.791 | 1312853.13 | 109863 | 0 | 1871704.70498 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 1601351.07174 | 105977.45558 | 341122.45055 | 1142031.546 | 1002084.1 | 37937 | 38700 | 0 | 4269203.62387 S-Total | 2307209.126790222 | 298220.53332 | 2761292.8639100003 | 6005539.101000001 | 5925972.129999999 | 1456405 | 0 | 38700 | 0 | 18793338.755020224 (2) Commerce de détail Produits pétroliers | 31061.75745 | 4910.8557599999995 | 58753.59335 | 53139.222 | 163308.61 | 40902 | 352076.03856 Produits pharmaceutiques | 2497.00887 | 1043.9993 | 2724.544 | 1242.46 | 48413 | 0 | 55921.01217 Véhicules automobiles | 230162.11278 | 304309.84517000004 | 2285312.93 | 5063512.93 | 613979 | 0 | 8497276.81795 Produits alimentaires | 553.33561 | 638510.57326 | 508156.663 | 450501.22 | 84451 | 0 | 1682172.7918699998 Librairie ,papeterie | 945.96859 | 7484.6896 | 28629.42 | 37786.21 | 17 | 0 | 74863.28818999999 Appareils électro- ménagers électroni.équip. inform. | 29.98775 | 47434.53991 | 226021.495 | 303233.73 | 310305 | 44607.294 | 0 | 931632.04666 Matériaux de construction | 29004.92313 | 0 | 188222.876 | 515128.98 | 63 | 0 | 732419.7791299999 Autres | 42945.17213299 | 419720.24671 | 68671.61301999999 | 2892067.057 | 883655.06 | 126068 | 4300 | 0 | 4437427.14886299 S-Total | 337200.26631299 | 424631.10247 | 1126208.85361 | 6184274.207 | 7418369.200000001 | 1224198 | 0 | 48907.294 | 0 | 16763788.923392989 [Non apparentés déc. 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2015 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 1271385500 | 1 | 407756000 | 1 | 777875000 | 8 | 2457016500 | 0.5174509410091467 | 0.16595574347994815 | 0.3165933155109052 | 1 BPH | 24 | 90763000 | 6 | 46317000 | 10 | 399638000 | 40 | 536718000 | 0.16910742699145548 | 0.08629671447575822 | 0.7445958585327863 | 1 BUH | 1 | 46070000 | 4 | 323444000 | 2 | 374868000 | 7 | 744382000 | 0.06189026601932879 | 0.43451346217399134 | 0.5035962718066799 | 1 CAPITALBK | 5 | 511418610 | 3 | 634341010 | 0 | 0 | 8 | 1145759620 | 0.44635768364746525 | 0.5536423163525348 | 0 | 1 SOGEBK | 9 | 2994096900.7200003 | 6 | 3362866544.34 | 1 | 915485203.34 | 16 | 7272448648.400001 | 0.41170409658082996 | 0.4624118652360452 | 0.1258840381831248 | 1 SOGEBL | 7 | 253504072.72 | 2 | 169656587.54 | 0 | 0 | 9 | 423160660.26 | 0.5990728735611696 | 0.40092712643883044 | 0 | 1 UNIBK | 4 | 2087539000 | 5 | 4653720000 | 0 | 0 | 9 | 6741259000 | 0.3096660430937307 | 0.6903339569062693 | 0 | 1 CBNA | 2 | 94433000 | 2 | 174253000 | 5 | 1850616000 | 9 | 2119302000 | 0.04455853861318491 | 0.08222188248772473 | 0.8732195788990904 | 1 SCOTIABK | 1 | 24375000 | 2 | 88351000 | 0 | 0 | 3 | 112726000 | 0.21623228004187145 | 0.7837677199581286 | 0 | 1 [Non apparentés sept. 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2015 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 920530500 | 2 | 921079000 | 0 | 0 | 7 | 1841609500 | 0.499851081350308 | 0.500148918649692 | 0 | 1 BPH | 18 | 80947000 | 6 | 48936000 | 9 | 376113000 | 33 | 505996000 | 0.15997557292943027 | 0.09671222697412628 | 0.7433122000964435 | 1 BUH | 11 | 112795000 | 1 | 46785000 | 1 | 181451000 | 13 | 341031000 | 0 | 0 | 0 | 0 CAPITALBK | 4 | 316015870 | 5 | 887645820 | 0 | 0 | 9 | 1203661690 | 0.2625454250355015 | 0.7374545749644985 | 0 | 1 SOGEBK | 18 | 968165058 | 2 | 558054975 | 0 | 0 | 20 | 1526220033 | 0.6343548355193159 | 0.365645164480684 | 0 | 1 SOGEBL | 6 | 215643401 | 1 | 76305974 | 0 | 0 | 7 | 291949375 | 0.738632857152032 | 0.2613671428479681 | 0 | 1 UNIBK | 9 | 3799089000 | 5 | 3974975000 | 0 | 0 | 14 | 7774064000 | 0.488687641367501 | 0.511312358632499 | 0 | 1 CBNA | 0 | 0 | 4 | 293242000 | 4 | 500400000 | 8 | 793642000 | 0 | 0.36948901393827444 | 0.6305109860617255 | 1 SCOTIABK | 1 | 25000000 | 2 | 89970000 | 0 | 0 | 3 | 114970000 | 0.2174480299208489 | 0.7825519700791511 | 0 | 1 [Non apparentés juin 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2015 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 959678000 | 4 | 1208262000 | 1 | 693307000 | 10 | 2861247000 | 0.33540550675981484 | 0.422285108555815 | 0.24230938468437013 | 1 BPH | 13 | 73397000 | 5 | 60697000 | 6 | 317162000 | 24 | 451256000 | 0.16265046891343274 | 0.13450679880156718 | 0.702842732285 | 1 BUH | 8 | 274157000 | 3 | 189663000 | 1 | 121854000 | 12 | 585674000 | 0.46810512332799475 | 0.32383715172604555 | 0.2080577249459597 | 1 CAPITALBK | 5 | 403409910 | 6 | 869703780 | 0 | 0 | 11 | 1273113690 | 0.31686872364085567 | 0.6831312763591443 | 0 | 1 SOGEBK | 8 | 2366415081 | 7 | 4026908005 | 0 | 0 | 15 | 6393323086 | 0.3701385099998996 | 0.6298614900001004 | 0 | 1 SOGEBL | 7 | 198328008 | 2 | 124743481 | 0 | 0 | 9 | 323071489 | 0.6138827310756598 | 0.3861172689243402 | 0 | 1 UNIBK | 10 | 4142229000 | 6 | 4553860000 | 0 | 0 | 16 | 8696089000 | 0.4763324064415624 | 0.5236675935584376 | 0 | 1 CBNA | 3 | 119260000 | 7 | 556814000 | 3 | 597476000 | 13 | 1273550000 | 0.09364375171763967 | 0.43721408660829963 | 0.4691421616740607 | 1 SCOTIABK | 0 | 0 | 1 | 44550000 | 2 | 409256000 | 3 | 453806000 | 0 | 0.09816970247198142 | 0.9018302975280186 | 1 [Non apparentés mars 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2015 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 959678000 | 4 | 1208262000 | 1 | 693307000 | 10 | 2861247000 | 0.33540550675981484 | 0.422285108555815 | 0.24230938468437013 | 1 BPH | 13 | 73397000 | 5 | 60697000 | 6 | 317162000 | 24 | 451256000 | 0.16265046891343274 | 0.13450679880156718 | 0.702842732285 | 1 BUH | 8 | 274157000 | 3 | 189663000 | 1 | 121854000 | 12 | 585674000 | 0.46810512332799475 | 0.32383715172604555 | 0.2080577249459597 | 1 CAPITALBK | 5 | 403409910 | 6 | 869703780 | 0 | 0 | 11 | 1273113690 | 0.31686872364085567 | 0.6831312763591443 | 0 | 1 SOGEBK | 8 | 2366415081 | 7 | 4026908005 | 0 | 0 | 15 | 6393323086 | 0.3701385099998996 | 0.6298614900001004 | 0 | 1 SOGEBL | 7 | 198328008 | 2 | 124743481 | 0 | 0 | 9 | 323071489 | 0.6138827310756598 | 0.3861172689243402 | 0 | 1 UNIBK | 10 | 4142229000 | 6 | 4553860000 | 0 | 0 | 16 | 8696089000 | 0.4763324064415624 | 0.5236675935584376 | 0 | 1 CBNA | 3 | 119260000 | 7 | 556814000 | 3 | 597476000 | 13 | 1273550000 | 0.09364375171763967 | 0.43721408660829963 | 0.4691421616740607 | 1 SCOTIABK | 0 | 0 | 1 | 44550000 | 2 | 409256000 | 3 | 453806000 | 0 | 0.09816970247198142 | 0.9018302975280186 | 1 [Non apparentés DéC. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DECEMBRE 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 4 | 743386500 | 5 | 1533648500 | 1 | 936747000 | 10 | 3213782000 | 0.23131204916823855 | 0.4772098729783165 | 0.29147807785344493 | 1 BPH | 6 | 52193000 | 6 | 102341000 | 6 | 342508000 | 18 | 497042000 | 0.10500722272966873 | 0.20590010502130604 | 0.6890926722490253 | 1 BUH | 6 | 187647000 | 4 | 229489000 | 2 | 221504000 | 12 | 638640000 | 0.2938228109733183 | 0.359340160340724 | 0.34683702868595767 | 1 CAPITALBK | 1 | 69150020 | 6 | 844385210 | 0 | 0 | 7 | 913535230 | 0.07569496799811432 | 0.9243050320018857 | 0 | 1 SOGEBK | 7 | 2080407302 | 7 | 3998178183 | 0 | 0 | 14 | 6078585485 | 0.34225187868687185 | 0.6577481213131282 | 0 | 1 SOGEBL | 7 | 235730310 | 1 | 75635390 | 0 | 0 | 8 | 311365700 | 0.7570850289546986 | 0.24291497104530138 | 0 | 1 UNIBK | 9 | 3337704000 | 8 | 6149121000 | 0 | 0 | 17 | 9486825000 | 0.35182518914389166 | 0.6481748108561083 | 0 | 1 CBNA | 2 | 65458000 | 7 | 495504000 | 5 | 795024000 | 14 | 1355986000 | 0.04827335975445174 | 0.3654197019733242 | 0.586306938272224 | 1 SCOTIABK | 2 | 54012000 | 1 | 44550000 | 2 | 462008000 | 5 | 560570000 | 0.09635192750236367 | 0.0794726795939847 | 0.8241753929036516 | 1 [Non apparentés sept. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 5 | 807172000 | 5 | 1463639000 | 1 | 1178140000 | 11 | 3448951000 | 0.2340340584716918 | 0.42437222216262277 | 0.3415937193656854 | 1 BPH | 8 | 76137000 | 7 | 117733000 | 6 | 340386000 | 21 | 534256000 | 0.14251033212542302 | 0.22036813812105058 | 0.6371215297535264 | 1 BUH | 1 | 33168000 | 2 | 130533000 | 2 | 252370000 | 5 | 416071000 | 0.07971716365716429 | 0.3137277051272499 | 0.6065551312155858 | 1 CAPITALBK | 4 | 280073830 | 5 | 751688300 | 0 | 0 | 9 | 1031762130 | 0.2714519382485961 | 0.7285480617514039 | 0 | 1 SOGEBK | 6 | 1869211455 | 7 | 4003560114 | 0 | 0 | 13 | 5872771569 | 0.3182843795367107 | 0.6817156204632893 | 0 | 1 SOGEBL | 4 | 122658800 | 3 | 178547114 | 0 | 0 | 7 | 301205914 | 0.4072257359462072 | 0.5927742640537927 | 0 | 1 UNIBK | 8 | 3018748000 | 8 | 5327083000 | 0 | 0 | 16 | 8345831000 | 0.36170730032755277 | 0.6382926996724473 | 0 | 1 CBNA | 6 | 161979000 | 5 | 323317000 | 4 | 626030000 | 15 | 1111326000 | 0.14575291138693777 | 0.2909290343247616 | 0.5633180542883006 | 1 SCOTIABK | 1 | 25175000 | 2 | 75221000 | 2 | 517789000 | 5 | 618185000 | 0.040724055096775236 | 0.1216804031155722 | 0.8375955417876526 | 1 [Non apparentés juin 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 JUIN 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 956102500 | 4 | 1379948000 | 1 | 1375804000 | 11 | 3711854500 | 0.2575808130410284 | 0.37176780501498646 | 0.37065138194398517 | 1 BPH | 7 | 60508000 | 8 | 133387000 | 8 | 436233000 | 23 | 630128000 | 0.09602493461645888 | 0.21168238834014677 | 0.6922926770433944 | 1 BUH | 1 | 18783000 | 2 | 116421000 | 2 | 225366000 | 5 | 360570000 | 0.05209252017638739 | 0.32288043930443466 | 0.625027040519178 | 1 CAPITALBK | 4 | 245223310 | 6 | 784515870 | 0 | 0 | 10 | 1029739180 | 0.23814118639246104 | 0.7618588136075389 | 0 | 1 SOGEBK | 7 | 2243937185 | 6 | 3516685009 | 0 | 0 | 13 | 5760622194 | 0.38953035096402994 | 0.6104696490359701 | 0 | 1 SOGEBL | 6 | 184614626 | 2 | 122450985 | 0 | 0 | 8 | 307065611 | 0.6012220821432199 | 0.39877791785678013 | 0 | 1 UNIBK | 7 | 2794933000 | 6 | 4111261000 | 0 | 0 | 13 | 6906194000 | 0.4046994625404383 | 0.5953005374595617 | 0 | 1 CBNA | 8 | 252666000 | 5 | 309401000 | 4 | 769098000 | 17 | 1331165000 | 0.18980817554548085 | 0.23242873723392668 | 0.5777630872205924 | 1 SCOTIABK | 2 | 55578000 | 1 | 44550000 | 2 | 527204000 | 5 | 627332000 | 0.08859423718222569 | 0.07101502872482195 | 0.8403907340929524 | 1 [Non apparentés mars 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 MARS 2014 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 937491000 | 5 | 1276354000 | 1 | 1609063000 | 12 | 3822908000 | 0.24522980934932256 | 0.3338699231056567 | 0.4209002675450207 | 1 BPH | 9 | 77303000 | 9 | 173744000 | 6 | 320108000 | 24 | 571155000 | 0.1353450464409836 | 0.30419763461757315 | 0.5604573189414432 | 1 BUH | 0 | 0 | 2 | 120333000 | 0 | 0 | 2 | 120333000 | 0 | 1 | 0 | 1 CAPITALBK | 3 | 181318490 | 7 | 785771280 | 0 | 0 | 10 | 967089770 | 0.18748878917414255 | 0.8125112108258574 | 0 | 1 SOGEBK | 7 | 1966515369 | 8 | 4297521801 | 0 | 0 | 15 | 6264037170 | 0.3139373722777574 | 0.6860626277222426 | 0 | 1 SOGEBL | 7 | 173426563 | 3 | 153744093 | 0 | 0 | 10 | 327170656 | 0.5300798217062597 | 0.4699201782937404 | 0 | 1 UNIBK | 6 | 2329520000 | 7 | 4599670000 | 0 | 0 | 13 | 6929190000 | 0.3361893670111514 | 0.6638106329888486 | 0 | 1 CBNA | 6 | 144291000 | 7 | 382373000 | 4 | 848239000 | 17 | 1374903000 | 0.10494631257623264 | 0.27810907387648437 | 0.616944613547283 | 1 SCOTIABK | 2 | 54802000 | 1 | 44550000 | 2 | 527978000 | 5 | 627330000 | 0.08735753112396984 | 0.07101525512887953 | 0.8416272137471507 | 1 [Non apparentés déc. 13] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 31 DÉCEMBRE 2013 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 6 | 888868000 | 5 | 1290177000 | 1 | 1849250000 | 12 | 4028295000 | 0.22065613367442058 | 0.3202786786965701 | 0.4590651876290093 | 1 BPH | 9 | 131606000 | 5 | 143377000 | 3 | 219729000 | 17 | 494712000 | 0.26602548553501837 | 0.28981912708808355 | 0.4441553873768981 | 1 BUH | 8 | 129362000 | 2 | 53707000 | 3 | 196516000 | 13 | 379585000 | 0 | 0 | 0 | 0 CAPITALBK | 7 | 453439100 | 3 | 406075030 | 0 | 0 | 10 | 859514130 | 0.52755281638011 | 0.47244718361989 | 0 | 1 SOGEBK | 5 | 1697231868 | 6 | 3125726039 | 1 | 779466640 | 12 | 5602424547 | 0.3029459573728374 | 0.5579238083043477 | 0.13913023432281488 | 1 SOGEBL | 7 | 183773710 | 2 | 92676250 | 0 | 0 | 9 | 276449960 | 0.6647630189564867 | 0.33523698104351324 | 0 | 1 UNIBK | 6 | 2091605000 | 8 | 5010051000 | 1 | 1022161000 | 15 | 8123817000 | 0.25746579471201775 | 0.6167114547262696 | 0.12582275056171255 | 0.9999999999999999 CBNA | 6 | 132898000 | 5 | 222917000 | 7 | 920941000 | 18 | 1276756000 | 0.10409036652265585 | 0.17459639899871235 | 0.7213132344786318 | 1 SCOTIABK | 2 | 52540000 | 1 | 44550000 | 2 | 524083000 | 5 | 621173000 | 0.08458191196333388 | 0.07171915070358821 | 0.8436989373330779 | 1 [Non apparentés sept. 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES NON APPARENTES AU 30 SEPTEMBRE 2013 Limite Tout établissement bancaire est tenu de respecter en tout temps un rapport maximum de 20% entre l'ensemble des risques de crédit qu'il encourt du fait de ses opérations avec un Risque Non Apparenté (à l'établissement bancaire) et le montant de ses fonds propres réglementaires. LIMITE INDIVIDUELLE EN FONCTION DES FONDS PROPRES RÉGLEMENTAIRES 5% et 10% (des fonds propres) | 10% + et 20% | plus de 20% | Total | Distribution des risques non apparentés de 5% et plus Nombre | Encours | Nombre | Encours | Nombre | Encours | Nombre | Encours | % de l'encours | % de l'encours | % de l'encours emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | emprunteurs | (en gourdes) | 5% et 10% | 10% + et 20% | + de 20% | Total (individu ou groupe) | (individu ou groupe) | (individu ou groupe) | (individu ou groupe) BNC | 7 | 818453500 | 5 | 1103273000 | 2 | 2351200000 | 14 | 4272926500 | 0.1915440155593596 | 0.2582007904886733 | 0.5502551939519671 | 1 BPH | 7 | 98725000 | 6 | 165900000 | 2 | 180898000 | 15 | 445523000 | 0.22159349797878 | 0.37237134783164955 | 0.4060351541895705 | 1 BUH | 5 | 78191820 | 2 | 51018829 | 0 | 0 | 7 | 129210649 | 0.6051499671671798 | 0.39485003283282016 | 0 | 1 CAPITALBK | 9 | 528081050 | 4 | 425166050 | 0 | 0 | 13 | 953247100 | 0.5539812814536755 | 0.44601871854632447 | 0 | 1 SOGEBK | 5 | 1408727705 | 6 | 3159970620 | 1 | 816660703 | 12 | 5385359028 | 0.2615847332880923 | 0.5867706504933881 | 0.15164461621851966 | 1 SOGEBL | 6 | 147806581 | 3 | 134909608 | 0 | 0 | 9 | 282716189 | 0.5228090457883189 | 0.4771909542116812 | 0 | 1 UNIBK | 6 | 2176665000 | 8 | 5254876000 | 0 | 0 | 14 | 7431541000 | 0.29289551117325463 | 0.7071044888267454 | 0 | 1 CBNA | 5 | 119947000 | 6 | 290928000 | 5 | 676619000 | 16 | 1087494000 | 0.11029670048754292 | 0.26752147598055714 | 0.6221818235319 | 1 SCOTIABK | 3 | 69873000 | 1 | 44550000 | 2 | 528614000 | 6 | 643037000 | 0.10866093241912984 | 0.06928061682298219 | 0.822058450757888 | 1 [Secteur d'activité mars.19 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2019 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.006984903784497157 | 0.0004216015974986153 | 0.02295945511783592 | 0 | 0 | 0 | #DIV/0! | 0.009447597292570527 200 | Industrie alimentaire | 0.046521435188543375 | 0.0008776333140608267 | 0.0443711135184841 | 0.01013257004839647 | 0.042388285342997094 | 0.05323486276795954 | 0.0029302635018359393 | 0.20175657380153808 | #DIV/0! | 0.03749973392813871 210 | Industrie des boissons | 0 | 0 | 0.035342280791475104 | 0.03676770672080571 | 0.10161216906573071 | 0.03751953908598292 | 0 | 0 | #DIV/0! | 0.04199047333987532 220 | Industrie du bois | 0.002503921574979849 | 0 | 6.816435517922808e-06 | 0.00033085491838038726 | 2.244410319885634e-05 | 0.002648609558668285 | 0 | 0 | #DIV/0! | 0.00044589894128315224 230 | Industrie chimique | 1.537495703934995e-06 | 0 | 0.0009451858363371886 | 0.012844141447551393 | 0.0004178416013495281 | 0.0008418187689168934 | 0 | 0.193844551299517 | #DIV/0! | 0.006119366914638967 240 | Industrie du textile | 0.000759413056622178 | 0 | 0.027312249501854836 | 0.02962669559481265 | 0.0018132043602822404 | 0.016387861425360122 | 0 | 0.039867242923235145 | #DIV/0! | 0.013419144231302985 250 | Industrie pharmacie | 0 | 0 | 0.001293578938678159 | 0 | 0.0006900029256677874 | 0.013480090042708235 | 0 | 0 | #DIV/0! | 0.000865184506084194 260 | Imprimerie, édition | 0.00022749445362152445 | 0 | 0.0002917748523149431 | 0.0025362676903994902 | 0.0029274129803170223 | 0.0050793990826424554 | 0 | 0 | #DIV/0! | 0.0011582976885415462 270 | Sidérurgie, aciérie | 0.0010584010604766797 | 0 | 0.006839371967374083 | 0.007835667414739005 | 0 | 0.03182969852509902 | 0 | 0 | #DIV/0! | 0.004702646530225532 280 | Industrie de la fabrication | 0.0023289765280963886 | 0.0019339100526418278 | 0.023220725978241995 | 0.03631192131297896 | 0.0168881114328742 | 0.02390228551425584 | 0 | 0 | #DIV/0! | 0.023740889786309984 290 | Autres industries | 0 | 0 | 0.003116654843536122 | 9.721932910625789e-05 | 0.007153237127102897 | 0.009761299657670586 | 0 | 0 | #DIV/0! | 0.004580952570337247 300 | Production et distribution de l'électricité | 0.045884582503749154 | 0 | 0.026410139789269187 | 0.06126236301632865 | 0 | 0.0004576385701328483 | 0 | 0.21528311178546977 | #DIV/0! | 0.029957881657695487 400 | Production et distribution de gaz | 0 | 0 | 0.0005160295419361865 | 0.014440169592536432 | 0.0010762129379055412 | 0.01564874786645513 | 0 | 0 | #DIV/0! | 0.006013896395382478 500 | Traitement et distribution de l'eau | 0 | 0 | 0.03436633841136096 | 0.001156359395576123 | 0.0009699637477326897 | 0.0010077108233756582 | 0 | 0 | #DIV/0! | 0.004117424789864202 600 | Entrep/ batiment et corps/ métiers corresp. | 0.05323123117219825 | 0.08561185399310632 | 0.09721475997615961 | 0.09910671234255838 | 0.048419852590467265 | 0.11835940839729804 | 0 | 0 | #DIV/0! | 0.07041736729337722 700 | Commerce de gros(1) | 0.12669014019929128 | 0.2164237274738085 | 0.19496799095899406 | 0.16345168399249607 | 0.15610512818359823 | 0.18804917258361287 | 0 | 0.04669335258319906 | #DIV/0! | 0.18142104176634552 800 | Commerce de détail(2) | 0.018515841120245728 | 0.30816203290078154 | 0.07925455608194938 | 0.16831628541758337 | 0.1954186496256808 | 0.11194755715074563 | 0 | 0.05900892823338956 | #DIV/0! | 0.13370617233212306 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006486859106584309 | 2.4884968425223322e-05 | 0.0007665464150840217 | 9.721279706916596e-05 | 0.0006154382731019504 | 0.002363455990850842 | 0 | 0 | #DIV/0! | 0.001446215097249592 1000 | Hotels,motels et pensions | 0.05206591924973724 | 0 | 0.004117357711294149 | 0.022087985881253307 | 0.001143881378248014 | 0.029392343395479522 | 0.03606761995547635 | 0 | #DIV/0! | 0.027008601827456298 1100 | Transport | 0.10899252134634325 | 0.10284072744449527 | 0.019164043785720564 | 0.008732444309485783 | 0.037126993310807176 | 0.007627459533835197 | 0 | 0 | #DIV/0! | 0.032231263880433375 1200 | Immobilier résidentiel | 0.11204604272491901 | 0.19556703594209024 | 0.11453362026197425 | 0.012904932313433344 | 0.06998959068145998 | 0.0329710069593323 | 0.8100673311859027 | 0 | #DIV/0! | 0.08283800943912291 1300 | Immobilier commercial | 0.18541682030184006 | 0.04387979278698162 | 0.11533433408425728 | 0.1327909372052631 | 0.11748184279861773 | 0.016181344057282936 | 0.11682085102926863 | 0 | #DIV/0! | 0.11461992863391393 1400 | Télécommunications | 0.0004977093235880998 | 0 | 0.0023683638949649147 | 0.000983727453292213 | 0.03967214133691987 | 0.003002447584317244 | 0 | 0 | #DIV/0! | 0.02589553820902745 1500 | Services financiers | 0.01852226565586574 | 0 | 0.04444547791557527 | 0.041144029908840266 | 0.04743946246740317 | 0.17645382460343056 | 0 | 0.24354623937365147 | #DIV/0! | 0.03137731530364392 1510 | Services professionnels | 0.045027758112170524 | 0.018046564322018423 | 0.015989037524408518 | 0.003438447341892283 | 0.006846342907033737 | 0.030106995094146962 | 0 | 0 | #DIV/0! | 0.014751268270207181 1520 | Services médicaux | 0.00012843580183942693 | 0 | 0.00036012902799603273 | 0.00012774895458424017 | 0.00010366551434540365 | 0.003737903688092699 | 0 | 0 | #DIV/0! | 0.0004566645031512538 1530 | Services d'agence ou de représentation | 6.907748555536514e-05 | 0.0006830585423604155 | 0.0012270011495988421 | 0.0008621649366040917 | 0.0005095220525708091 | 0.0010424383580016944 | 0 | 0 | #DIV/0! | 0.0006179403401838478 1540 | Services d'enseignement | 0.0025278076689516965 | 0 | 0.001605079332524998 | 0.001375460848502046 | 0.0001991008304978064 | 0.0007319122239852245 | 0 | 0 | #DIV/0! | 0.0014782493484086067 1550 | Autres services | 0.011025875887965544 | 0.007141270649538743 | 0.0024383372524692387 | 0.016856279997944024 | 0.010442362089009121 | 0.04457095995315128 | 0 | 0 | #DIV/0! | 0.01256635357139119 1560 | Crédit à la consommation | 0.1594589508689404 | 0.01880750760969107 | 0.09519620043615105 | 0.11396040822008807 | 0.06956768521724441 | 0.021662208737209424 | 0.034113934327516506 | 0 | #DIV/0! | 0.08510868161171437 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.999989017887829 | 1 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | #DIV/0! | 1.0000000000000004 (1) Commerce de gros Import-export | 0.024996929356023167 | 0.03388584113665175 | 0.08748438583115746 | 0.0382962232958122 | 0.04173933620434036 | 0.018404600253421714 | 0 | 0 | #DIV/0! | 0.04587976993828089 Produits pétroliers | 0 | 0 | 0.01862191524690388 | 0.029188983081645477 | 1.4857189709222868e-05 | 0.011714171469486799 | 0 | 0 | #DIV/0! | 0.009468163093070676 Produits pharmaceutiques | 0 | 0 | 0.0011674900516183567 | 0.002394996847481722 | 0.002389828225268846 | 0.0018651228828388193 | 0 | 0 | #DIV/0! | 0.0016513691296774823 Produits alimentaires | 0.013762132330677822 | 0.008379139270402966 | 0.05817693980196441 | 0.056009781613411844 | 0.05097979142310112 | 0.08768217374575753 | 0 | 0 | #DIV/0! | 0.058027266134976684 Matériaux de construction | 0 | 0.0972490997035674 | 0.0054314559737491976 | 0.006479230770448512 | 0.03458387945524296 | 0.01004647947035307 | 0 | 0 | #DIV/0! | 0.028632819422342737 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.08793108547471251 | 0.07690964689872748 | 0.024085804053600748 | 0.031082468410913146 | 0.026397435422510388 | 0.003469168798110232 | 0 | 0.04669335258319906 | #DIV/0! | 0.03776163438655583 S-Total | 0.1266901471614135 | 0.2164237270093496 | 0.19496799095899403 | 0.16345168401971288 | 0.1561051279201729 | 0.13318171661996817 | - | 0.04669335258319906 | #DIV/0! | 0.18142102210490432 (2) Commerce de détail Produits pétroliers | 0.0017056185227159225 | 0.0035638917768418266 | 0.004148444450347362 | 0.0014462807047499026 | 0.004301962765814699 | 0.003740304773184614 | 0 | 0 | #DIV/0! | 0.004064621586074254 Produits pharmaceutiques | 0.00013711215751116345 | 0 | 7.371418249181061e-05 | 7.415342694407755e-05 | 3.272954596829972e-05 | 0.004427152094865452 | 0 | 0 | #DIV/0! | 0.0004628634642145044 Véhicules automobiles | 0.012638330700280422 | 0 | 0.02148655795163466 | 0.062198953439221695 | 0.13338576630516477 | 0.05614563063750223 | 0 | 0 | #DIV/0! | 0.059690328654320654 Produits alimentaires | 3.038396868604464e-05 | 0 | 0.04508363647393083 | 0.013830409046767729 | 0.011867344130809126 | 0.007722665845196172 | 0 | 0 | #DIV/0! | 0.01747345461275361 Librairie ,papeterie | 5.1943665827944456e-05 | 0 | 0 | 0.0007792018056677788 | 0.0009953845573803797 | 0 | 0 | 0 | #DIV/0! | 0.0010485198162242663 Appareils électro- ménagers électroni.équip. inform. | 1.646644171274166e-06 | 0 | 0.003349234363797767 | 0.006151586620467018 | 0.007987945129158272 | 0.02837600294956363 | 0 | 0.05382077794636744 | #DIV/0! | 0.009133110865973954 Matériaux de construction | 0.0015926765966192775 | 0 | 0 | 0.005122828364919108 | 0.013569803157054028 | 5.76106793581318e-06 | 0 | 0 | #DIV/0! | 0.00659301435080459 Autres | 0.0023581434878293213 | 0.3045981411239396 | 0.0048487310424090106 | 0.07871287203606286 | 0.023277714297756588 | 0.011528354167176126 | 0 | 0.005188150287022118 | #DIV/0! | 0.03524026391007838 S-Total | 0.01851585574364137 | 0.3081620329007815 | 0.07899031846461144 | 0.16831628544480015 | 0.19541864988910612 | 0.11194587153542403 | - | 0.05900892823338956 | #DIV/0! | 0.1337061772604442 [Secteur d'activité mars 19 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2019 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 2644409 | 722851.63643 | 3883759.37272 | 12189813.306 | 13344341.33 | 3280605.989 | 0 | 87607.294 | 0 | 36153387.92815 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2474096 | 35683.02319 | 1004836.09367 | 3159418.581 | 2554794.96 | 3153788.4469999997 | 166765.37 | 201853.98868 | 0 | 12751236.463539999 Industries Manufacturières ( 200 à 290 ) | 972712 | 3874.15915 | 2021594.7165899999 | 5014657.788000001 | 6601973.17 | 2128977.543 | 13548.62 | 360921.307 | 0 | 17118259.30374 Prêts aux Particuliers ( 1560 ) | 2903976 | 25915.75807 | 1348244.84595 | 4187131.455 | 2640888.03 | 236886.488 | 157732.14 | 0 | 0 | 11500774.71702 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5417225 | 329945.15874999994 | 3255574.10145 | 5353155.255 | 7116681.59 | 537504.183 | 4285640.4399999995 | 0 | 0 | 26295725.728199996 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1993974 | 141709.12316 | 304959.20576000004 | 356991.424 | 2915404.1100000003 | 116243.057 | 0 | 0 | 0 | 5829280.919920001 Bâtiments et Travaux Publics ( 600 ) | 969417 | 117968.64008 | 1376833.3030899998 | 3641377.204 | 1838086.3 | 1294316.056 | 0 | 0 | 0 | 9237998.50317 Électricité, Gaz et Eau ( 300 à 500 ) | 835624 | 0 | 868073.59202 | 2823948.1530000004 | 77675.76999999999 | 187150.74 | 0 | 178429.176 | 0 | 4970901.43102 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 98925.80254 | 15490.479 | 871573.49 | 0 | 0 | 0 | 0 | 985989.77154 Total | 18211433 | 1377947.4988299997 | 14162801.03379 | 36741983.644999996 | 37961418.75000001 | 10935472.503 | 4623686.569999999 | 828811.76568 | 0 | 124843554.76630001 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.14520598131953702 | 0.52458576037459 | 0.2742225470409434 | 0.3317679694100795 | 0.351523777809279 | 0.2999967297343585 | 0 | 0.10570228081658861 | #DIV/0! | 0.2895895426546214 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13585399896866984 | 0.02589577848234281 | 0.07094896632895106 | 0.08598933066668943 | 0.06729977551221 | 0.28839983330713875 | 0.03606761995547635 | 0.24354623937365147 | #DIV/0! | 0.10213772338836061 Industries Manufacturières ( 200 à 290 ) | 0.053412161470214894 | 0.002811543366702655 | 0.14273975266381442 | 0.13648304447717036 | 0.1739127089395203 | 0.1946854644292639 | 0.0029302635018359393 | 0.4354683680242902 | #DIV/0! | 0.13711768569698612 Prêts aux Particuliers ( 1560 ) | 0.1594589508689404 | 0.018807507609691073 | 0.09519620043615104 | 0.1139604082200881 | 0.0695676852172444 | 0.021662208737209424 | 0.034113934327516506 | 0 | #DIV/0! | 0.09212149348477613 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.29746286302675906 | 0.23944682872907191 | 0.2298679543462315 | 0.14569586951869648 | 0.18747143348007766 | 0.04915235101661523 | 0.9268881822151712 | 0 | #DIV/0! | 0.21062942157826323 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10949023066993135 | 0.10284072744449528 | 0.02153240768068548 | 0.009716171762777998 | 0.07679913464772703 | 0.010629907118152442 | 0 | 0 | #DIV/0! | 0.0466926861449282 Bâtiments et Travaux Publics ( 600 ) | 0.05323123117219825 | 0.08561185399310633 | 0.0972147599761596 | 0.0991067123425584 | 0.04841985259046725 | 0.11835940839729804 | 0 | 0 | #DIV/0! | 0.0739965993475835 Électricité, Gaz et Eau ( 300 à 500 ) | 0.045884582503749154 | 0 | 0.06129250774256633 | 0.07685889200444122 | 0.0020461766856382305 | 0.017114097259963636 | 0 | 0.21528311178546977 | #DIV/0! | 0.03981704494337127 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.006984903784497156 | 0.00042160159749861544 | 0.022959455117835915 | 0 | 0 | 0 | #DIV/0! | 0.007897802761109426 Total | 1 | 1 | 1 | 1 | 0.9999999999999998 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d' activité déc 18 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2018 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 85451.58 | 13631.7 | 371263.32 | 0 | 0 | 0 | 0 | 470346.6 200 | Industrie alimentaire | 947855 | 1209.33 | 656375.17 | 327363.49 | 1777830.06 | 678263.01 | 13959.01 | 160792.12 | 0 | 4563647.1899999995 210 | Industrie des boissons | 301 | 0 | 332710.03 | 923382.98 | 2342886.51 | 254212.72 | 0 | 0 | 0 | 3853493.2399999998 220 | Industrie du bois | 44108 | 0 | 151.4 | 13169.7 | 0 | 28924.59 | 0 | 0 | 0 | 86353.69 230 | Industrie chimique | 69 | 0 | 14442.52 | 450314.1 | 40093.41 | 8715.5 | 0 | 154486.55 | 0 | 668121.0800000001 240 | Industrie du textile | 20874 | 0 | 385158.33 | 1054237.63 | 25846.23 | 267535.92 | 0 | 30522.4 | 0 | 1784174.5099999998 250 | Industrie pharmacie | 0 | 0 | 20136.61 | 0 | 33873.61 | 137004.51 | 0 | 0 | 0 | 191014.73 260 | Imprimerie, édition | 835 | 0 | 7425.7 | 35778.17 | 74498.77 | 54710.82 | 0 | 0 | 0 | 173248.46 270 | Sidérurgie, aciérie | 284880 | 0 | 110999.64 | 305594.57 | 0 | 296445.9 | 0 | 0 | 0 | 997920.11 280 | Industrie de la fabrication | 44207 | 2701.47 | 332458.91 | 1092169.02 | 542254.65 | 250013.37 | 0 | 0 | 0 | 2263804.42 290 | Autres industries | 0 | 0 | 50267.35 | 4884.03 | 1776111.37 | 77631.26 | 0 | 0.02 | 0 | 1908894.03 300 | Production et distribution de l'électricité | 756972 | 0 | 392726.45 | 2410727.7 | 0 | 4528.05 | 0 | 187712.76 | 0 | 3752666.96 400 | Production et distribution de gaz | 0 | 0 | 6755.41 | 502833.71 | 17974 | 164044.42 | 0 | 0 | 0 | 691607.54 500 | Traitement et distribution de l'eau | 0 | 0 | 433031.46 | 46263.46 | 40208.22 | 10823.12 | 0 | 0 | 0 | 530326.26 600 | Entrep/ batiment et corps/ métiers corresp. | 981941 | 111145.95 | 1053480.77 | 3423248.31 | 1807517.45 | 1252974.37 | 0 | 0 | 0 | 8630307.85 700 | Commerce de gros(1) | 1523898 | 301180.99 | 2406135.19 | 4915019.81 | 6489161.3 | 2119434.57 | 0 | 41544 | 0 | 17796373.86 800 | Commerce de détail(2) | 385740 | 393656.51 | 899238.21 | 6016129.43 | 7390252.13 | 1167814.21 | 0 | 45821.24 | 0 | 16298651.729999999 900 | Rest/débits/boissons, casinos/activités/loterie | 112001 | 34.29 | 11011.46 | 3965.65 | 24633.75 | 18456.88 | 0 | 0 | 0 | 170103.03 1000 | Hotels,motels et pensions | 941288 | 0 | 55431.55 | 789095.19 | 41733.79 | 298289.77 | 131871.76 | 0 | 0 | 2257710.0599999996 1100 | Transport | 1848966 | 139147.91 | 232260.49 | 187752.5 | 1380085.92 | 77845.32 | 0 | 0 | 0 | 3866058.1399999997 1200 | Immobilier résidentiel / Avance Hypothécaire | 2023812 | 294176.74 | 1570170.09 | 456282.43 | 2672425.39 | 341428.31 | 3194888.67 | 0 | 0 | 10553183.629999999 1300 | Immobilier commercial | 3275054 | 61192.82 | 1647514.99 | 4825066.25 | 4519706.89 | 172711.56 | 906743.77 | 0 | 0 | 15407990.28 1400 | Télécommunications | 15912 | 0 | 29108.84 | 34155.36 | 1517503.51 | 31503.23 | 0 | 0 | 0 | 1628182.94 1500 | Services financiers | 382649 | 0 | 647670.19 | 1661013.39 | 3031108.98 | 2056857.28 | 0 | 188129.07 | 0 | 7967427.910000001 1510 | Services professionnels | 790631 | 24852.58 | 197478.08 | 131996.57 | 374705.36 | 329623.94 | 0 | 0 | 0 | 1849287.5299999998 1520 | Services médicaux | 2586 | 0 | 4765 | 4753.77 | 12119.72 | 43780.31 | 0 | 0 | 0 | 68004.79999999999 1530 | Services d'agence ou de représentation | 1395 | 941.22 | 16908.94 | 22027.73 | 18955.7 | 10655.99 | 0 | 0 | 0 | 70884.58 1540 | Services d'enseignement | 47458 | 0 | 22831.19 | 62632.94 | 3998.31 | 9417.5 | 0 | 0 | 0 | 146337.94 1550 | Autres services | 130184 | 25646.29 | 24365.08 | 685183.47 | 433921.02 | 773896.05 | 0 | 0 | 0 | 2073195.91 1560 | Crédit à la consommation | 2931567 | 27386.3 | 1376394.91 | 4196938.87 | 2761741.39 | 229367.62 | 330295.86 | 83.33 | 0 | 11853775.28 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 | 0 Total | 17495183 | 1383272.4000000001 | 13022855.54 | 34595611.93 | 39522410.760000005 | 11166910.1 | 4577759.07 | 809091.4900000001 | 0 | 122573094.28999998 (1) Commerce de gros Import-export | 179460 | 46815.21 | 1059764.71 | 1420083.66 | 2515715.27 | 223844 | 0 | 5445682.85 Produits pétroliers | 0 | 175541.18 | 73444.99 | 771.78 | 129506 | 0 | 379263.94999999995 Produits pharmaceutiques | 0 | 16003.95 | 101796.69 | 103744.7 | 19047 | 0 | 240592.34 Produits alimentaires | 393536 | 24673.3 | 762344.16 | 1981283.24 | 2086572.79 | 974512 | 0 | 6222921.49 Matériaux de construction | 125870.14 | 59636.69 | 246261.32 | 871125.2 | 735076 | 0 | 2037969.35 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 950902 | 103822.34 | 332844.5 | 1092149.91 | 911231.56 | 37449 | 41544 | 0 | 3469943.31 S-Total | 1523898 | 301180.99 | 2406135.19 | 4915019.81 | 6489161.300000001 | 2119434 | 0 | 41544 | 0 | 17796373.29 (2) Commerce de détail Produits pétroliers | 31709 | 5065.92 | 60329.76 | 99684.54 | 184879.51 | 55298 | 436966.73 Produits pharmaceutiques | 2755 | 972.43 | 3587.23 | 1660.32 | 46807 | 0 | 55781.979999999996 Véhicules automobiles | 276303 | 169622.03 | 2075517.3 | 4895130.75 | 588929 | 0 | 8005502.08 Produits alimentaires | 828 | 539806.91 | 462975.24 | 476761.94 | 89658 | 0 | 1570030.09 Librairie ,papeterie | 1022 | 0 | 30879.59 | 40544.69 | 0 | 0 | 72446.28 Appareils électro- ménagers électroni.équip. inform. | 49 | 44634.75 | 205122.1 | 305308.76 | 272919 | 41205.24 | 0 | 869238.85 Matériaux de construction | 27797 | 0 | 188632.76 | 427752.11 | 443 | 0 | 644624.87 Autres | 45276 | 388590.59 | 83872.33 | 2949730.67 | 1058214.05 | 113760 | 4616 | 0 | 4644059.64 S-Total | 385739 | 393656.51 | 899238.21 | 6016129.43 | 7390252.130000001 | 1167814 | 0 | 45821.24 | 0 | 16298650.519999996 [Secteur d'activité déc. 18 (%)] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU31 DECEMBRE 2018 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.006561662281942199 | 0.0003940297407538876 | 0.009393741749573374 | 0 | 0 | 0 | #DIV/0! | 0.0038372744257168744 200 | Industrie alimentaire | 0.05417805575397525 | 0.0008742529670945504 | 0.05040178538293147 | 0.009462572613612965 | 0.04498283444286534 | 0.06073864694227278 | 0.003049310762438181 | 0.19873169102297686 | #DIV/0! | 0.037232046856895906 210 | Industrie des boissons | 0 | 0 | 0.02554816253455884 | 0.02669075436122803 | 0.05927994939952391 | 0.022764821935837024 | 0 | 0 | #DIV/0! | 0.031438328797369554 220 | Industrie du bois | 0.0025211511077077617 | 0 | 1.1625714462928e-05 | 0.00038067544596832924 | 0 | 0.0025902053245687004 | 0 | 0 | #DIV/0! | 0.0007045077102785117 230 | Industrie chimique | 3.943942741267697e-06 | 0 | 0.0011090133001659635 | 0.01301650917206366 | 0.0010144474800251279 | 0.0007804755229470327 | 0 | 0.1909382954948642 | #DIV/0! | 0.005450797206924295 240 | Industrie du textile | 0.001193128417119158 | 0 | 0.02957556649668557 | 0.03047316035724765 | 0.0006539639030865636 | 0.02395791831439567 | 0 | 0.03772428752155087 | #DIV/0! | 0.014556004483159728 250 | Industrie pharmacie | 0 | 0 | 0.0015462515066799246 | 0 | 0.000857073476759746 | 0.012268793137324534 | 0 | 0 | #DIV/0! | 0.0015583740551419185 260 | Imprimerie, édition | 4.772742302838444e-05 | 0 | 0.0005702052040116541 | 0.0010341823139996124 | 0.0018849753486039624 | 0.004899369611652914 | 0 | 0 | #DIV/0! | 0.0014134297661614497 270 | Sidérurgie, aciérie | 0.016283339248294802 | 0 | 0.008523448613789968 | 0.00883333327412544 | 0 | 0.026546815309277008 | 0 | 0 | #DIV/0! | 0.008141428718760953 280 | Industrie de la fabrication | 0.002526809808162624 | 0.0019529559036961914 | 0.025528879513317553 | 0.03156958235656796 | 0.013720181526699966 | 0.022388768939762486 | 0 | 0 | #DIV/0! | 0.018469015840001442 290 | Autres industries | 0 | 0 | 0.003859933011281795 | 0.00014117484060933042 | 0.04493934797615063 | 0.0069519015828738515 | 0 | 2.4719083375849123e-08 | #DIV/0! | 0.015573515876850436 300 | Production et distribution de l'électricité | 0.04326745253250566 | 0 | 0.03015670785825211 | 0.06968304838422322 | 0 | 0.000405488175283152 | 0 | 0.23200436825753784 | #DIV/0! | 0.030615747948089113 400 | Production et distribution de gaz | 0 | 0 | 0.0005187349256275326 | 0.014534609505315954 | 0.0004547799502704222 | 0.014690224827725622 | 0 | 0 | #DIV/0! | 0.005642409078485867 500 | Traitement et distribution de l'eau | 0 | 0 | 0.03325165196449688 | 0.0013372638152378536 | 0.0010173524141572378 | 0.0009692134980114151 | 0 | 0 | #DIV/0! | 0.004326612321177783 600 | Entrep/ batiment et corps/ métiers corresp. | 0.056126363468161494 | 0.08035000915221036 | 0.08089475973715671 | 0.09895036159286691 | 0.04573398776142874 | 0.11220421394813594 | 0 | 0 | #DIV/0! | 0.07040948015541855 700 | Commerce de gros(1) | 0.08710386167438203 | 0.21773078823809394 | 0.18476248796659847 | 0.1420706134623357 | 0.1641894098871007 | 0.18979597319405303 | 0 | 0.0513464799883138 | #DIV/0! | 0.1451898882302419 800 | Commerce de détail(2) | 0.02204835468140002 | 0.28458350647348996 | 0.06905077056548536 | 0.1738986274378642 | 0.18698890042101265 | 0.10457809721240614 | 0 | 0.05663295259723964 | #DIV/0! | 0.13297087606712815 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006401819289343815 | 2.4789043719805292e-05 | 0.0008455488096430193 | 0.000114628699386038 | 0.0006232856125500173 | 0.001652818893921247 | 0 | 0 | #DIV/0! | 0.0013877680985808132 1000 | Hotels,motels et pensions | 0.05380269529046938 | 0 | 0.004256481985056252 | 0.022809112080359722 | 0.0010559525392676223 | 0.026711934396248076 | 0.028807055588445374 | 0 | #DIV/0! | 0.018419295629907198 1100 | Transport | 0.10568429035580823 | 0.10059328155466703 | 0.01783483578441046 | 0.005427061107631056 | 0.03491907233039444 | 0.006971070717225529 | 0 | 0 | #DIV/0! | 0.03154083824344972 1200 | Immobilier résidentiel | 0.11567824126218057 | 0.21266725194545916 | 0.12057033767879761 | 0.013189026137859097 | 0.0676179751844672 | 0.030575003017173034 | 0.6979154256801025 | 0 | #DIV/0! | 0.08609706470354621 1300 | Immobilier commercial | 0.18719747029796716 | 0.04423772208568608 | 0.1265095036138288 | 0.13947046983192357 | 0.11435807692617582 | 0.015466369698812208 | 0.19807590485534224 | 0 | #DIV/0! | 0.12570450610919306 1400 | Télécommunications | 0.0009095074912906026 | 0 | 0.002235211771380826 | 0.0009872743418763397 | 0.03839602597156955 | 0.0028211232756319943 | 0 | 0 | #DIV/0! | 0.013283363281568343 1500 | Services financiers | 0.021871677478309315 | 0 | 0.04973334673111179 | 0.04801225639138449 | 0.07669342334419885 | 0.18419215893929333 | 0 | 0.23251890833754782 | #DIV/0! | 0.06500144225085469 1510 | Services professionnels | 0.04519135352856841 | 0.017966511874306174 | 0.015163961497802194 | 0.003815413650351928 | 0.009480832590790064 | 0.029517918300425827 | 0 | 0 | #DIV/0! | 0.015087222368921401 1520 | Services médicaux | 0.00014781211491185888 | 0 | 0.00036589517447722534 | 0.00013740962320940223 | 0.0003066543706960855 | 0.00392053930836248 | 0 | 0 | #DIV/0! | 0.0005548101758702857 1530 | Services d'agence ou de représentation | 7.973623368215125e-05 | 0.0006804299717105611 | 0.0012984049426075412 | 0.0006367203460534366 | 0.00047961902210643385 | 0.0009542469586103321 | 0 | 0 | #DIV/0! | 0.000578304565211446 1540 | Services d'enseignement | 0.002712632385725831 | 0 | 0.0017531631161747496 | 0.0018104301819181611 | 0.0001011656405344237 | 0.0008433398241470575 | 0 | 0 | #DIV/0! | 0.00119388305278297 1550 | Autres services | 0.007441133939553533 | 0.018540303413846757 | 0.0018709475756036838 | 0.019805502252319893 | 0.010979113157721758 | 0.0693026130836318 | 0 | 0 | #DIV/0! | 0.01691395588900573 1560 | Crédit à la consommation | 0.1675642375389843 | 0.019798197376019355 | 0.10569071474166103 | 0.12131419668170616 | 0.0698778575722692 | 0.020539936109989818 | 0.07215230311367173 | 0.00010299206088547536 | #DIV/0! | 0.09670780809330584 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999827952642737 | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 1.0000000000000002 | 0.9999999999999999 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.0102576806427232 | 0.03384381124064934 | 0.0813772913893507 | 0.04104808618137369 | 0.0636528800147514 | 0.020045294355866626 | 0 | 0 | #DIV/0! | 0.04442804419309076 Produits pétroliers | 0 | 0 | 0.013479469188675344 | 0.002122956811650188 | 1.952765494712954e-05 | 0.011597299417678664 | 0 | 0 | #DIV/0! | 0.0030941859810007413 Produits pharmaceutiques | 0 | 0 | 0.0012289125031636496 | 0.002942474039943944 | 0.0026249588019817438 | 0.001705664309055376 | 0 | 0 | #DIV/0! | 0.0019628478940963514 Produits alimentaires | 0.022493963052572813 | 0.017836906165408922 | 0.058538940070282014 | 0.057269784503563195 | 0.052794673955258484 | 0.08726782890461346 | 0 | 0 | #DIV/0! | 0.050769065805559024 Matériaux de construction | 0 | 0.09099447079259297 | 0.004579386588204449 | 0.007118281951430133 | 0.02204129715896915 | 0.06582626647992805 | 0 | 0 | #DIV/0! | 0.016626563617446886 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.054352217979086015 | 0.07505560003944269 | 0.02555848822692231 | 0.03156902997437455 | 0.02305607230119279 | 0.0033535686832474815 | 0 | 0.0513464799883138 | #DIV/0! | 0.028309176088761694 S-Total | 0.08710386167438203 | 0.21773078823809394 | 0.18476248796659844 | 0.1420706134623357 | 0.16418940988710068 | 0.18979592215038965 | - | 0.0513464799883138 | #DIV/0! | 0.14518988357995544 (2) Commerce de détail Produits pétroliers | 0.0018124417446790926 | 0.0036622721598435705 | 0.004632606098923217 | 0.0028814214993999675 | 0.004677839900067877 | 0.00495195174894441 | 0 | 0 | #DIV/0! | 0.0035649481848452408 Produits pharmaceutiques | 0.00015747191669844207 | 0 | 7.467102718087894e-05 | 0.00010369031792986701 | 4.200958312189759e-05 | 0.0041915802653412606 | 0 | 0 | #DIV/0! | 0.00045509155433429344 Véhicules automobiles | 0.01579309001797809 | 0 | 0.01302494905813875 | 0.05999365769854154 | 0.12385708907601059 | 0.052738760742777 | 0 | 0 | #DIV/0! | 0.06531206645611395 Produits alimentaires | 4.7327312895212354e-05 | 0 | 0.041450733162321486 | 0.013382484487823887 | 0.012063078411262378 | 0.00802889959685446 | 0 | 0 | #DIV/0! | 0.01280892922785657 Librairie ,papeterie | 5.841607944312443e-05 | 0 | 0 | 0.0008925868998207369 | 0.0010258658118354113 | 0 | 0 | 0 | #DIV/0! | 0.0005910455342556402 Appareils électro- ménagers électroni.équip. inform. | 2.800770932204596e-06 | 0 | 0.0034274165034621894 | 0.0059291363429281015 | 0.007724952859125641 | 0.024439974671238734 | 0 | 0.05092778815409366 | #DIV/0! | 0.007091595876199693 Matériaux de construction | 0.00158883733882635 | 0 | 0 | 0.005452505375007541 | 0.010823026778339165 | 3.9670776968106875e-05 | 0 | 0 | #DIV/0! | 0.0052591057909891666 Autres | 0.0025879123413570467 | 0.2809212343136464 | 0.00644039471545885 | 0.08526314481641256 | 0.026775038001249696 | 0.010187240604721981 | 0 | 0.005705164443145978 | #DIV/0! | 0.03788808357087287 S-Total | 0.022048297522809568 | 0.28458350647348996 | 0.06905077056548536 | 0.17389862743786422 | 0.18698890042101265 | 0.10457807840684595 | - | 0.05663295259723964 | #DIV/0! | 0.13297086619546744 [Secteur d'activité déc 18 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2018 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1909638 | 694837.5 | 3305373.4 | 10931149.239999998 | 13879413.43 | 3287248.78 | 0 | 87365.23999999999 | 0 | 34095025.59 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2408192 | 51474.380000000005 | 980461.4899999998 | 3360668.71 | 3941176.6300000004 | 3540977.7200000007 | 131871.76 | 188129.07 | 0 | 14602951.760000002 Industries Manufacturières ( 200 à 290 ) | 1343129 | 3910.7999999999997 | 1910125.6600000001 | 4206893.69 | 6613394.61 | 2053457.6000000003 | 13959.01 | 345801.09 | 0 | 16490671.46 Prêts aux Particuliers ( 1560 ) | 2931567 | 27386.3 | 1376394.91 | 4196938.87 | 2761741.39 | 229367.62 | 330295.86 | 83.33 | 0 | 11853775.28 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5298866 | 355369.56 | 3217685.08 | 5281348.68 | 7192132.279999999 | 514139.87 | 4101632.44 | 0 | 0 | 25961173.910000004 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1864878 | 139147.91 | 261369.33 | 221907.86 | 2897589.4299999997 | 109348.55 | 0 | 0 | 0 | 5494241.079999999 Bâtiments et Travaux Publics ( 600 ) | 981941 | 111145.95 | 1053480.77 | 3423248.31 | 1807517.45 | 1252974.37 | 0 | 0 | 0 | 8630307.85 Électricité, Gaz et Eau ( 300 à 500 ) | 756972 | 0 | 832513.3200000001 | 2959824.87 | 58182.22 | 179395.59 | 0 | 187712.76 | 0 | 4974600.76 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 85451.58 | 13631.7 | 371263.32 | 0 | 0 | 0 | 0 | 470346.6 Total | 17495183 | 1383272.4 | 13022855.54 | 34595611.93 | 39522410.76 | 11166910.099999998 | 4577759.07 | 809091.49 | 0 | 122573094.28999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.10915221635578204 | 0.502314294711584 | 0.2538132585320838 | 0.31596924090019984 | 0.3511783103081134 | 0.2943740704064592 | 0 | 0.10797943258555345 | #DIV/0! | 0.2781607642973701 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1376488602605643 | 0.03721203430358331 | 0.07528774983247644 | 0.09714147322498308 | 0.09972004627786528 | 0.31709556970464026 | 0.028807055588445374 | 0.23251890833754785 | #DIV/0! | 0.11913668203113453 Industries Manufacturières ( 200 à 290 ) | 0.07677136043675564 | 0.0028272088707907424 | 0.14667487127788567 | 0.12160194473542299 | 0.16733277355371529 | 0.18388771662091205 | 0.003049310762438181 | 0.4273942987584754 | #DIV/0! | 0.13453744931154418 Prêts aux Particuliers ( 1560 ) | 0.1675642375389843 | 0.019798197376019358 | 0.10569071474166103 | 0.12131419668170616 | 0.06987785757226922 | 0.02053993610998982 | 0.07215230311367173 | 0.00010299206088547539 | #DIV/0! | 0.09670780809330583 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.30287571156014775 | 0.2569049740311453 | 0.2470798412926264 | 0.15265949596978265 | 0.18197605211064305 | 0.04604137271598525 | 0.8959913305354447 | 0 | #DIV/0! | 0.2118015708127393 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.10659379784709883 | 0.10059328155466704 | 0.020070047555791285 | 0.006414335449507396 | 0.073315098301964 | 0.009792193992857525 | 0 | 0 | #DIV/0! | 0.04482420152501805 Bâtiments et Travaux Publics ( 600 ) | 0.056126363468161494 | 0.08035000915221037 | 0.08089475973715671 | 0.09895036159286691 | 0.04573398776142875 | 0.11220421394813597 | 0 | 0 | #DIV/0! | 0.07040948015541854 Électricité, Gaz et Eau ( 300 à 500 ) | 0.04326745253250566 | 0 | 0.06392709474837652 | 0.08555492170477703 | 0.0014721323644276603 | 0.01606492650102019 | 0 | 0.23200436825753787 | #DIV/0! | 0.04058476934775276 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.006561662281942199 | 0.0003940297407538876 | 0.009393741749573376 | 0 | 0 | 0 | #DIV/0! | 0.003837274425716874 Total | 1 | 1.0000000000000002 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1.0000000000000004 | 1 | 1 | #DIV/0! | 1.0000000000000002 [Secteur d' activité sept 18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2018 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1343.07 | 14104.01 | 550290.42 | 0 | 0 | 0 | 0 | 565737.5 200 | Industrie alimentaire | 923229.06 | 1209.33 | 430938.4 | 300281.74 | 1596637.34 | 465673.43 | 14356.35 | 182941.68 | 0 | 3915267.3300000005 210 | Industrie des boissons | 214.5 | 0 | 186249.57 | 953148.47 | 2246606.67 | 243341.83 | 0 | 0 | 0 | 3629561.04 220 | Industrie du bois | 38598.68 | 0 | 1516.43 | 5446.48 | 538.79 | 27855.26 | 0 | 0 | 0 | 73955.64 230 | Industrie chimique | 106.7 | 0 | 16529.57 | 394638.39 | 49471.69 | 47741.74 | 0 | 175767.5 | 0 | 684255.5900000001 240 | Industrie du textile | 27865.35 | 0 | 375511.84 | 959095.31 | 14284.12 | 199913.55 | 0 | 32889.38 | 0 | 1609559.55 250 | Industrie pharmacie | 0 | 0 | 27850.6 | 0 | 9659.24 | 118542.4 | 0 | 0 | 0 | 156052.24 260 | Imprimerie, édition | 11411.48 | 0 | 8519.62 | 119252.54 | 79943.83 | 55387.38 | 0 | 0 | 0 | 274514.85 270 | Sidérurgie, aciérie | 284880.03 | 0 | 110207.12 | 301106.91 | 0 | 357188.83 | 0 | 0 | 0 | 1053382.8900000001 280 | Industrie de la fabrication | 46462.14 | 2875.42 | 300146.05 | 1075323.83 | 628047.97 | 230772.64 | 0 | 0 | 0 | 2283628.05 290 | Autres industries | 0 | 0 | 45377.76 | 7917.42 | 1046919.65 | 91136.07 | 0 | 0 | 0 | 1191350.9000000001 300 | Production et distribution de l'électricité | 732038.86 | 0 | 404266.5 | 2356846.76 | 0 | 2813.42 | 0 | 172144.4 | 0 | 3668109.9399999995 400 | Production et distribution de gaz | 0 | 0 | 5436.9 | 2100.98 | 18697.63 | 90871.75 | 0 | 0 | 0 | 117107.26000000001 500 | Traitement et distribution de l'eau | 0 | 0 | 404137.56 | 45942.63 | 45015.8 | 0 | 0 | 0 | 0 | 495095.99 600 | Entrep/ batiment et corps/ métiers corresp. | 990934.08 | 98393.9 | 1003349.6 | 3152200.73 | 1536085.83 | 1119232.12 | 0 | 0 | 0 | 7900196.260000001 700 | Commerce de gros(1) | 1415024.86 | 274155.36 | 2235063.92 | 4810294.82 | 5325647.58 | 1863506.6 | 0 | 51048 | 0 | 15974741.14 800 | Commerce de détail(2) | 321845.52 | 391764.56 | 850671.49 | 5657945.77 | 5835517.72 | 1065315.13 | 0 | 43459.8 | 0 | 14166519.989999998 900 | Rest/débits/boissons, casinos/activités/loterie | 103590.08 | 523.36 | 11474.53 | 1783.16 | 29122.06 | 25828.7 | 0 | 0 | 0 | 172321.89 1000 | Hotels,motels et pensions | 928062.25 | 0 | 6432.11 | 757154.19 | 32418.18 | 282485.89 | 133052.64 | 0 | 0 | 2139605.26 1100 | Transport | 1574684.69 | 136132.56 | 211599.62 | 193828.19 | 1189868.23 | 81039.07 | 0 | 0 | 0 | 3387152.36 1200 | Immobilier résidentiel / Avance Hypothécaire | 1986665.54 | 283429.62 | 1524516.88 | 560675.87 | 2638934.2 | 319686.05 | 3076936.74 | 0 | 0 | 10390844.9 1300 | Immobilier commercial | 3206209.82 | 61464.64 | 1656758.28 | 4506659.34 | 4026912.97 | 165874.79 | 860394.82 | 0 | 0 | 14484274.66 1400 | Télécommunications | 22892.16 | 0 | 28128.43 | 34816.66 | 1526538.15 | 29753.44 | 0 | 0 | 0 | 1642128.8399999999 1500 | Services financiers | 157617.16 | 0 | 287236.31 | 1630436.56 | 2276134.26 | 1820425.44 | 0 | 206079.04 | 0 | 6377928.7700000005 1510 | Services professionnels | 737290.73 | 24016.35 | 198877.23 | 97574.19 | 393862.93 | 331813.97 | 0 | 0 | 0 | 1783435.4 1520 | Services médicaux | 268.15 | 0 | 8632.78 | 4973.92 | 14236.82 | 44807.46 | 0 | 0 | 0 | 72919.13 1530 | Services d'agence ou de représentation | 1998.77 | 941.22 | 16923.07 | 22373.25 | 16940.64 | 9814.7 | 0 | 0 | 0 | 68991.65 1540 | Services d'enseignement | 49493.01 | 0 | 23677.25 | 64688.07 | 1778.59 | 11224.91 | 0 | 0 | 0 | 150861.83000000002 1550 | Autres services | 135047.57 | 10719.53 | 23242.87 | 949515.78 | 432943.76 | 427392.18 | 0 | 0 | 0 | 1978861.69 1560 | Crédit à la consommation | 2808545.37 | 26891.25 | 1329258.9 | 4120139.6 | 2830292.21 | 245783.56 | 195457.9 | 305.56 | 0 | 11556674.350000001 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 16504976.560000002 | 1312517.0999999999 | 11733874.26 | 33100265.570000008 | 34393347.28 | 9775222.31 | 4280198.45 | 864635.3600000001 | 0 | 111965036.88999999 (1) Commerce de gros Import-export | 142921 | 46919.01 | 836264.28 | 1541513.14 | 1912102.55 | 103422 | 0 | 4583141.9799999995 Produits pétroliers | - | 135723.79 | 68399.43 | 1195.23 | 119531 | 0 | 324849.45 Produits pharmaceutiques | - | 14827.57 | 121995.59 | 83489.03 | 15422 | 0 | 235734.19 Produits alimentaires | 300886 | 12059.25 | 830424.48 | 1869472.3 | 1519785.63 | 872333 | 0 | 5404960.66 Matériaux de construction | 115044.74 | 55056.82 | 221775.32 | 879796.54 | 712051 | 0 | 1983724.42 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 971217 | 100132.35 | 362766.98 | 987139.04 | 929278.6 | 40747 | 51048 | 0 | 3442328.97 S-Total | 1415024 | 274155.35 | 2235063.92 | 4810294.82 | 5325647.58 | 1863506 | 0 | 51048 | 0 | 15974739.670000002 (2) Commerce de détail Produits pétroliers | 30905 | 5116.22 | 61796.96 | 81747.7 | 138707.2 | 46192 | 364465.08 Produits pharmaceutiques | 5822 | - | 472.75 | 5851.63 | 1269.79 | 45802 | 0 | 59218.17 Véhicules automobiles | 215625 | 264502.33 | 1989976.4 | 3637752.21 | 531670 | 0 | 6639525.9399999995 Produits alimentaires | 861 | 421228.6 | 451957.7 | 404363.48 | 99244 | 0 | 1377654.78 Librairie ,papeterie | 1022 | - | 17553.55 | 34559.27 | - | 0 | 53134.81999999999 Appareils électro- ménagers électroni.équip. inform. | 76 | 40926.06 | 164564.52 | 287239.23 | 247519 | 37787.8 | 0 | 778112.61 Matériaux de construction | 25814 | - | 139972.78 | 386110.34 | 354 | 0 | 552251.12 Autres | 41723 | 386648.34 | 61744.79 | 2806321.5 | 945516.21 | 94533 | 5672 | 0 | 4342158.84 S-Total | 321848 | 391764.56 | 850671.49 | 5657945.779999999 | 5835517.7299999995 | 1065314 | 0 | 43459.8 | 0 | 14166521.359999998 [Secteur d'activité sept. 18 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2018 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.00011446091633847114 | 0.00042609960243892984 | 0.015999908805619457 | 0 | 0 | 0 | #DIV/0! | 0.005052805015871237 200 | Industrie alimentaire | 0.05593640540135368 | 0.0009213822814194192 | 0.03672601141372722 | 0.009071883105136062 | 0.04642285401887757 | 0.047638142154948084 | 0.0033541318627410836 | 0.2115824640805807 | #DIV/0! | 0.034968660206369184 210 | Industrie des boissons | 1.299608025617214e-05 | 0 | 0.015872811134078065 | 0.028795795247753952 | 0.06532096604933882 | 0.02489373870822995 | 0 | 0 | #DIV/0! | 0.03241691460849391 220 | Industrie du bois | 0.0023386085923650653 | 0 | 0.00012923523521718734 | 0.00016454490337794586 | 1.5665529604131044e-05 | 0.002849578159619369 | 0 | 0 | #DIV/0! | 0.0006605244106038003 230 | Industrie chimique | 6.464716845377937e-06 | 0 | 0.0014087052267423906 | 0.011922514312322477 | 0.0014384087014632674 | 0.004883954398782363 | 0 | 0.20328511662997448 | #DIV/0! | 0.0061113326892594765 240 | Industrie du textile | 0.0016882998832928966 | 0 | 0.03200237463597978 | 0.028975456646162488 | 0.00041531636579921746 | 0.0204510489542002 | 0 | 0.0380384396955498 | #DIV/0! | 0.01437555503671482 250 | Industrie pharmacie | 0 | 0 | 0.002373521258442393 | 0 | 0.0002808461741558061 | 0.012126823947393171 | 0 | 0 | #DIV/0! | 0.001393758661941169 260 | Imprimerie, édition | 0.0006913963166512972 | 0 | 0.0007260705041848642 | 0.003602766864447244 | 0.002324398068881419 | 0.005666099270534134 | 0 | 0 | #DIV/0! | 0.0024517908235023133 270 | Sidérurgie, aciérie | 0.017260250504712017 | 0 | 0.009392219275409211 | 0.00909681251237163 | 0 | 0.03654022575369951 | 0 | 0 | #DIV/0! | 0.009408141320356066 280 | Industrie de la fabrication | 0.0028150382298997943 | 0.002190767647903407 | 0.025579450005117063 | 0.03248686412276419 | 0.018260739929934496 | 0.023607917311908172 | 0 | 0 | #DIV/0! | 0.02039590316255198 290 | Autres industries | 0 | 0 | 0.0038672444407121167 | 0.0002391950597271295 | 0.030439597561613085 | 0.009323171086019015 | 0 | 0 | #DIV/0! | 0.010640383222223581 300 | Production et distribution de l'électricité | 0.044352614336581636 | 0 | 0.034452942910605217 | 0.07120325832479414 | 0 | 0.0002878113572027806 | 0 | 0.1990947952903522 | #DIV/0! | 0.03276120869413666 400 | Production et distribution de gaz | 0 | 0 | 0.00046335079782932665 | 6.347320674986353e-05 | 0.0005436408921696557 | 0.00929613129177008 | 0 | 0 | #DIV/0! | 0.0010459270434131326 500 | Traitement et distribution de l'eau | 0 | 0 | 0.034441954212657465 | 0.0013879837278900715 | 0.0013088519600468502 | 0 | 0 | 0 | #DIV/0! | 0.004421880291848668 600 | Entrep/ batiment et corps/ métiers corresp. | 0.06003850271448067 | 0.07496580425504552 | 0.08550880789820224 | 0.095231886382717 | 0.044662295225136345 | 0.1144968456476976 | 0 | 0 | #DIV/0! | 0.07055949320823737 700 | Commerce de gros(1) | 0.08573322445239509 | 0.2088775529095964 | 0.19047962083752548 | 0.1453249615120837 | 0.15484528262525077 | 0.19063572580785634 | 0 | 0.05903991712760856 | #DIV/0! | 0.14267615662641525 800 | Commerce de détail(2) | 0.019499907729647815 | 0.2984833949972919 | 0.07249706884109733 | 0.1709335460778902 | 0.16966995600900406 | 0.10898116648561416 | 0 | 0.05026373198523826 | #DIV/0! | 0.12652628341397226 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006276293675633066 | 0.00039874528110909953 | 0.0009778978149711313 | 5.387147109829064e-05 | 0.0008467352643205712 | 0.0026422621584347374 | 0 | 0 | #DIV/0! | 0.001539068755626791 1000 | Hotels,motels et pensions | 0.05622923768635754 | 0 | 0.0005481659217984495 | 0.022874565413947515 | 0.0009425712401901464 | 0.028898155053826084 | 0.031085624078948958 | 0 | #DIV/0! | 0.019109583843589087 1100 | Transport | 0.09540666018370884 | 0.10371869440786716 | 0.01803322716021673 | 0.005855789573352355 | 0.034595883335028506 | 0.008290253400896824 | 0 | 0 | #DIV/0! | 0.030251875532606724 1200 | Immobilier résidentiel | 0.12036766806532198 | 0.21594356370671286 | 0.1299244261715823 | 0.016938712132514164 | 0.07672804215641323 | 0.032703711471908196 | 0.7188771212231994 | 0 | #DIV/0! | 0.09280437169157085 1300 | Immobilier commercial | 0.1942571568244626 | 0.046829591782080404 | 0.14119448046650537 | 0.13615175776971866 | 0.11708406678816288 | 0.01696890206070413 | 0.20101750655977177 | 0 | #DIV/0! | 0.12936426461619507 1400 | Télécommunications | 0.0013869853081451451 | 0 | 0.0023971988600464175 | 0.0010518544005748288 | 0.044384692701535736 | 0.003043760955652373 | 0 | 0 | #DIV/0! | 0.014666443075558568 1500 | Services financiers | 0.009549674876969349 | 0 | 0.024479238794911033 | 0.04925750690887885 | 0.06617949225673622 | 0.18622854624367105 | 0 | 0.23834213766136048 | #DIV/0! | 0.056963574944078256 1510 | Services professionnels | 0.04467081351613866 | 0.018297933032643918 | 0.016948982543468983 | 0.002947837073803876 | 0.011451718461524516 | 0.033944391183876814 | 0 | 0 | #DIV/0! | 0.0159285027678072 1520 | Services médicaux | 1.6246615014883726e-05 | 0 | 0.0007357143777676718 | 0.00015026828076292076 | 0.00041394109983237433 | 0.004583779128395086 | 0 | 0 | #DIV/0! | 0.0006512669671304568 1530 | Services d'agence ou de représentation | 0.00012110105050642979 | 0.0007171106570725822 | 0.0014422406125221253 | 0.0006759235799086066 | 0.0004925557219564702 | 0.0010040385465156752 | 0 | 0 | #DIV/0! | 0.0006161892311774149 1540 | Services d'enseignement | 0.0029986719351027054 | 0 | 0.002017854416653686 | 0.001954306676579332 | 5.1713198646247025e-05 | 0.001148302273240065 | 0 | 0 | #DIV/0! | 0.0013474012440884931 1550 | Autres services | 0.00818223337119359 | 0.008167154546024583 | 0.001980835100579985 | 0.028686047185693314 | 0.01258800885169325 | 0.04372199080963919 | 0 | 0 | #DIV/0! | 0.017673925226712798 1560 | Crédit à la consommation | 0.17016354793296354 | 0.020488304495232864 | 0.11328388821511029 | 0.12447451792453999 | 0.08229185100706488 | 0.0251435263777648 | 0.04566561627533882 | 0.00035339752933537206 | #DIV/0! | 0.10321681366794755 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999999999999999 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | #DIV/0! | 1.0000000000000004 (1) Commerce de gros Import-export | 0.008659267068962138 | 0.035747351405935976 | 0.0712692382302723 | 0.04657102030616728 | 0.05559512816340219 | 0.01058001513624911 | 0 | 0 | #DIV/0! | 0.04587976993828089 Produits pétroliers | 0 | 0 | 0.01156683521508948 | 0.002066431456731058 | 3.4751778891118154e-05 | 0.01222795719722102 | 0 | 0 | #DIV/0! | 0.009468163093070676 Produits pharmaceutiques | 0 | 0 | 0.0012636550956188616 | 0.0036856378007603992 | 0.002427476142996687 | 0.0015776623294002608 | 0 | 0 | #DIV/0! | 0.0016513691296774823 Produits alimentaires | 0.018230016801671845 | 0.0091878802950453 | 0.07077155094723164 | 0.05647907253331441 | 0.04418836054622014 | 0.08923919808019179 | 0 | 0 | #DIV/0! | 0.058027266134976684 Matériaux de construction | 0 | 0.08765199325784023 | 0.004692126298616055 | 0.006700106968356265 | 0.02558042789023936 | 0.07284243543715375 | 0 | 0 | #DIV/0! | 0.028632819422342737 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.05884388847626451 | 0.07629032033182655 | 0.03091621505069716 | 0.02982269244675428 | 0.027019138103501275 | 0.00416839624796216 | 0 | 0.05903991712760856 | #DIV/0! | 0.03776163438655583 S-Total | 0.08573317234689849 | 0.20887754529064806 | 0.1904796208375255 | 0.14532496151208368 | 0.15484528262525077 | 0.1906356644281781 | - | 0.05903991712760856 | #DIV/0! | 0.18142102210490432 (2) Commerce de détail Produits pétroliers | 0.0018724655492634032 | 0.003898021595299597 | 0.005266543567000862 | 0.0024696992181866646 | 0.004032965993997896 | 0.004725416827885932 | 0 | 0 | #DIV/0! | 0.004064621586074254 Produits pharmaceutiques | 0.00035274209441228064 | 0 | 4.0289335774763964e-05 | 0.00017678498644142446 | 3.691964000079727e-05 | 0.004685520037037398 | 0 | 0 | #DIV/0! | 0.0004628634642145044 Véhicules automobiles | 0.01306424151625696 | 0 | 0.022541773001750236 | 0.06011965057475518 | 0.1057690657552073 | 0.054389555872924183 | 0 | 0 | #DIV/0! | 0.059690328654320654 Produits alimentaires | 5.21660843849148e-05 | 0 | 0.0358985097902353 | 0.013654201626999209 | 0.011757026052394164 | 0.010152607976851219 | 0 | 0 | #DIV/0! | 0.01747345461275361 Librairie ,papeterie | 6.19207180503866e-05 | 0 | 0 | 0.0005303144762653937 | 0.0010048242678634678 | 0 | 0 | 0 | #DIV/0! | 0.0010485198162242663 Appareils électro- ménagers électroni.équip. inform. | 4.60467179239666e-06 | 0 | 0.003487855681180616 | 0.004971697875111639 | 0.008351592756051162 | 0.02532106095907296 | 0 | 0.043703741193281756 | #DIV/0! | 0.009133110865973954 Matériaux de construction | 0.00156401312695957 | 0 | 0 | 0.004228750965879334 | 0.01122630888051208 | 3.621401015482378e-05 | 0 | 0 | #DIV/0! | 0.00659301435080459 Autres | 0.00252790422623902 | 0.2945853734019923 | 0.005262097465155554 | 0.08478244665636377 | 0.027491252953731112 | 0.009670675203293663 | 0 | 0.006559990791956506 | #DIV/0! | 0.03524026391007838 S-Total | 0.019500057987358932 | 0.29848339499729193 | 0.07249706884109733 | 0.1709335463800026 | 0.16966995629975798 | 0.1089810508872202 | - | 0.050263731985238265 | #DIV/0! | 0.1337061772604442 [Secteur d'activité sept 18 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2018 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1736870.3800000001 | 665919.9199999999 | 3085735.41 | 10468240.59 | 11161165.3 | 2928821.73 | 0 | 94507.8 | 0 | 30141261.130000003 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2113367.7199999997 | 36200.46 | 576496.15 | 3528499.12 | 3197437.24 | 2953793.2500000005 | 133052.64 | 206079.04 | 0 | 12744925.62 Industries Manufacturières ( 200 à 290 ) | 1332767.94 | 4084.75 | 1502846.96 | 4116211.0900000003 | 5672109.300000001 | 1837553.1300000001 | 14356.35 | 391598.56 | 0 | 14871528.080000002 Prêts aux Particuliers ( 1560 ) | 2808545.37 | 26891.25 | 1329258.9 | 4120139.6 | 2830292.21 | 245783.56 | 195457.9 | 305.56 | 0 | 11556674.350000001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5192875.359999999 | 344894.26 | 3181275.16 | 5067335.21 | 6665847.17 | 485560.83999999997 | 3937331.56 | 0 | 0 | 24875119.559999995 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1597576.8499999999 | 136132.56 | 239728.05 | 228644.85 | 2716406.38 | 110792.51000000001 | 0 | 0 | 0 | 5029281.199999999 Bâtiments et Travaux Publics ( 600 ) | 990934.08 | 98393.9 | 1003349.6 | 3152200.73 | 1536085.83 | 1119232.12 | 0 | 0 | 0 | 7900196.260000001 Électricité, Gaz et Eau ( 300 à 500 ) | 732038.86 | 0 | 813840.96 | 2404890.3699999996 | 63713.43000000001 | 93685.17 | 0 | 172144.4 | 0 | 4280313.1899999995 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1343.07 | 14104.01 | 550290.42 | 0 | 0 | 0 | 0 | 565737.5 Total | 16504976.559999999 | 1312517.0999999999 | 11733874.260000002 | 33100265.570000008 | 34393347.28000001 | 9775222.31 | 4280198.45 | 864635.3600000001 | 0 | 111965036.89000002 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.10523313218204293 | 0.5073609479068882 | 0.2629766896786228 | 0.3162585075899739 | 0.3245152386342548 | 0.2996168922934705 | 0 | 0.10930364911284682 | #DIV/0! | 0.2692024400403875 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.12804427272691624 | 0.027580943516850184 | 0.04913092958267306 | 0.1066003265906727 | 0.09296673609489979 | 0.30217146539759876 | 0.031085624078948958 | 0.23834213766136048 | #DIV/0! | 0.11382951298021045 Industries Manufacturières ( 200 à 290 ) | 0.08074945972537631 | 0.003112149929322826 | 0.12807764312961026 | 0.12435583277406313 | 0.1649187923996678 | 0.187980699745334 | 0.0033541318627410836 | 0.452906020406105 | #DIV/0! | 0.13282296414201628 Prêts aux Particuliers ( 1560 ) | 0.1701635479329636 | 0.020488304495232864 | 0.11328388821511026 | 0.12447451792453999 | 0.08229185100706485 | 0.0251435263777648 | 0.04566561627533882 | 0.00035339752933537206 | #DIV/0! | 0.10321681366794752 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.3146248248897846 | 0.26277315548879326 | 0.27111890663808763 | 0.15309046990223282 | 0.19381210894457604 | 0.04967261353261233 | 0.9198946277829712 | 0 | #DIV/0! | 0.22216863630776582 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.096793645491854 | 0.10371869440786716 | 0.020430426020263143 | 0.006907643973927184 | 0.07898057603656422 | 0.011334014356549196 | 0 | 0 | #DIV/0! | 0.044918318608165274 Bâtiments et Travaux Publics ( 600 ) | 0.060038502714480683 | 0.07496580425504552 | 0.08550880789820223 | 0.095231886382717 | 0.04466229522513633 | 0.1144968456476976 | 0 | 0 | #DIV/0! | 0.07055949320823736 Électricité, Gaz et Eau ( 300 à 500 ) | 0.04435261433658165 | 0 | 0.06935824792109199 | 0.07265471525943407 | 0.0018524928522165056 | 0.00958394264897286 | 0 | 0.1990947952903522 | #DIV/0! | 0.038229016029398454 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.00011446091633847112 | 0.00042609960243892984 | 0.015999908805619453 | 0 | 0 | 0 | #DIV/0! | 0.005052805015871235 Total | 1 | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999997 | 0.9999999999999997 | 1 | 1 | 1 | #DIV/0! | 1 [Secteur d' activité juin 18] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2018 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 2232.35 | 15241 | 618893.04 | 0.35 | 0 | 0 | 0 | 636366.74 200 | Industrie alimentaire | 835618 | 1209.33 | 316648.55 | 242949.11 | 1364312.41 | 468706.83 | 14740.92 | 161065.14 | 0 | 3405250.2899999996 210 | Industrie des boissons | 0 | 0 | 91356.99 | 993499.49 | 2227275.15 | 240089.99 | 0 | 0 | 0 | 3552221.62 220 | Industrie du bois | 36756 | 0 | 113.53 | 13176.16 | 292.2 | 28162.55 | 0 | 0 | 0 | 78500.44 230 | Industrie chimique | 0 | 0 | 14619.79 | 426268.65 | 49435.95 | 48719.11 | 0 | 154748.86 | 0 | 693792.36 240 | Industrie du textile | 32945 | 0 | 257319.09 | 899625.61 | 7218.79 | 155021.87 | 0 | 30108.15 | 0 | 1382238.5099999998 250 | Industrie pharmacie | 0 | 0 | 37929.26 | 51.6 | 10411.76 | 121021.87 | 0 | 0 | 0 | 169414.49 260 | Imprimerie, édition | 101221 | 0 | 7686.6 | 142342.2 | 129466.65 | 86170.33 | 0 | 0 | 0 | 466886.78 270 | Sidérurgie, aciérie | 284881 | 0 | 100430.22 | 314457.23 | 0 | 344496.51 | 0 | 0 | 0 | 1044264.96 280 | Industrie de la fabrication | 48160 | 2842.33 | 300334.6 | 1162279.89 | 672574.58 | 209735.64 | 0 | 0 | 0 | 2395927.04 290 | Autres industries | 0 | 0 | 44556.89 | 8477.68 | 993752.45 | 113388.8 | 0 | 0.05 | 0 | 1160175.8699999999 300 | Production et distribution de l'électricité | 749552 | 0 | 83715.58 | 2326352.28 | 0 | 3766.63 | 0 | 164591.22 | 0 | 3327977.71 400 | Production et distribution de gaz | 0 | 0 | 4312.64 | 3746.01 | 192.12 | 91190.6 | 0 | 0 | 0 | 99441.37000000001 500 | Traitement et distribution de l'eau | 0 | 337.5 | 361258.47 | 35471.51 | 53979.39 | 535.44 | 0 | 0 | 0 | 451582.31 600 | Entrep/ batiment et corps/ métiers corresp. | 926647 | 95426.95 | 975544.37 | 2524166.7 | 1524530.21 | 907442.61 | 0 | 0 | 0 | 6953757.84 700 | Commerce de gros(1) | 1462517 | 270031.18 | 2116758.88 | 4542787.09 | 4999871.07 | 1661142.86 | 0 | 0 | 0 | 15053108.079999998 800 | Commerce de détail(2) | 109798 | 397353.62 | 835463.61 | 5335256.03 | 6127639.9 | 982360.32 | 0 | 142285.04 | 0 | 13930156.52 900 | Rest/débits/boissons, casinos/activités/loterie | 100262 | 597.68 | 11134.65 | 1878.79 | 30207.55 | 29317.79 | 0 | 0 | 0 | 173398.46 1000 | Hotels,motels et pensions | 930763 | 0 | 6543.86 | 749322.75 | 38329.89 | 278102.9 | 133993.39 | 0 | 0 | 2137055.79 1100 | Transport | 1548044 | 135636.57 | 163020.17 | 213033.06 | 1070595.06 | 76856.6 | 0 | 0 | 0 | 3207185.4600000004 1200 | Immobilier résidentiel / Avance Hypothécaire | 1958533 | 283320.54 | 1542860.2 | 499219.8 | 2611634.74 | 302593.06 | 3110273.59 | 0 | 0 | 10308434.93 1300 | Immobilier commercial | 3174206 | 62456.56 | 1379156.64 | 4473293.61 | 4075363.86 | 164306.4 | 675616.56 | 0 | 0 | 14004399.63 1400 | Télécommunications | 33191 | 0 | 28012.73 | 35487.86 | 1596404.6 | 28212.74 | 0 | 0 | 0 | 1721308.9300000002 1500 | Services financiers | 153613 | 0 | 401779.78 | 1477262.86 | 2591422.73 | 1696697.72 | 0 | 75690.49 | 0 | 6396466.58 1510 | Services professionnels | 725483 | 23845.47 | 201005.44 | 97678.55 | 339696.13 | 307895.78 | 0 | 0 | 0 | 1695604.3699999999 1520 | Services médicaux | 347 | 0 | 14664.1 | 5331.7 | 16430.28 | 45388.74 | 0 | 0 | 0 | 82161.82 1530 | Services d'agence ou de représentation | 1351 | 941.22 | 20679.7 | 20263.63 | 25705.87 | 9508.03 | 0 | 0 | 0 | 78449.45 1540 | Services d'enseignement | 52131 | 0 | 24136.07 | 78653.77 | 10491.42 | 18952.54 | 0 | 0 | 0 | 184364.80000000005 1550 | Autres services | 139483 | 9828.52 | 22666.9 | 1345310.26 | 377109.39 | 301079.9 | 0 | 0 | 0 | 2195477.9699999997 1560 | Crédit à la consommation | 2567982 | 29187.26 | 1319993.55 | 3179275.06 | 2567445.56 | 261662.24 | 248273.96 | 533.2 | 0 | 10174352.83 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 15973484 | 1313014.73 | 10685935.21 | 31162159.939999998 | 34130682.75000001 | 8982526.75 | 4182898.42 | 729022.15 | 0 | 107159723.94999999 (1) Commerce de gros Import-export | 139334 | 47119.39 | 1084633.19 | 1284602.36 | 1942149.6 | 101607 | 0 | 4599445.540000001 Produits pétroliers | 76606.91 | 67622.99 | 1715.81 | 122153 | 0 | 268098.71 Produits pharmaceutiques | 15232.78 | 125107.54 | 91852.89 | 16824 | 0 | 249017.21000000002 Produits alimentaires | 308351 | 13010.01 | 778203.06 | 1757334.27 | 1142943.04 | 820847 | 0 | 4820688.38 Matériaux de construction | 110435.17 | 24537.54 | 273575.66 | 853459.6 | 559826 | 0 | 1821833.97 Appareils électroménagers électron.,équipe.inform. | - | - | - | 0 | 0 Autres | 1014831 | 99466.62 | 137545.4 | 1034544.26 | 967750.13 | 39885 | 0 | 3294022.41 S-Total | 1462516 | 270031.19 | 2116758.88 | 4542787.08 | 4999871.07 | 1661142 | 0 | 0 | 0 | 15053106.22 (2) Commerce de détail Produits pétroliers | 23748 | 5166.23 | 63352.57 | 66973.28 | 143410.57 | 47740 | 106155.26 | 456545.91000000003 Produits pharmaceutiques | 6868 | 890.24 | 8928.93 | 1219.35 | 48968 | 0 | 66874.51999999999 Véhicules automobiles | 11861 | 170529.97 | 1929306.42 | 3770694.84 | 463072 | 0 | 6345464.23 Produits alimentaires | 1186 | 279302.69 | 477567.01 | 554441.6 | 112479 | 0 | 1424976.2999999998 Librairie ,papeterie | 1022 | - | 24476.07 | 37323.01 | - | 0 | 62821.08 Appareils électro- ménagers électroni.équip. inform. | 25361 | 38858.55 | 257389.57 | 258563.47 | 219197 | 36129.78 | 0 | 835499.37 Matériaux de construction | 0 | 0.66 | 140392.16 | 408353.24 | 139 | 0 | 548885.06 Autres | 39752 | 392187.39 | 282528.93 | 2430222.6 | 953633.83 | 90765 | 0 | 4189089.75 S-Total | 109798 | 397353.62 | 835463.6100000001 | 5335256.039999999 | 6127639.909999999 | 982360 | 0 | 142285.03999999998 | 0 | 13930156.22 [Secteur d'activité juin 18 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU30 JUIN 2018 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.00020890544029416772 | 0.0004890867651454587 | 0.018133040130877544 | 3.896453745601147e-08 | 0 | 0 | #DIV/0! | 0.005938488048895353 200 | Industrie alimentaire | 0.05231282042164377 | 0.0009210330793470991 | 0.0296322730558648 | 0.007796285959245994 | 0.039973194207490605 | 0.05217984238120972 | 0.003524092272840802 | 0.22093312253955522 | #DIV/0! | 0.03177733353987424 210 | Industrie des boissons | 0 | 0 | 0.00854927418187107 | 0.03188159909046408 | 0.06525726913564305 | 0.026728558309052627 | 0 | 0 | #DIV/0! | 0.03314885004423344 220 | Industrie du bois | 0.0023010634373816004 | 0 | 1.0624245587204902e-05 | 0.00042282563292690684 | 8.56121168569357e-06 | 0.003135259240947988 | 0 | 0 | #DIV/0! | 0.0007325554518657382 230 | Industrie chimique | 0 | 0 | 0.0013681338799732437 | 0.013679046985855373 | 0.0014484313238650342 | 0.005423764532624409 | 0 | 0.21226907851839616 | #DIV/0! | 0.006474376140831782 240 | Industrie du textile | 0.0020624805458846675 | 0 | 0.024080165651687493 | 0.02886916734052293 | 0.00021150441240440753 | 0.017258158457474117 | 0 | 0.04129936244049649 | #DIV/0! | 0.012898862175540347 250 | Industrie pharmacie | 0 | 0 | 0.0035494562950845365 | 1.6558544112266694e-06 | 0.00030505571998849036 | 0.013473031961747288 | 0 | 0 | #DIV/0! | 0.0015809530274550508 260 | Imprimerie, édition | 0.006336814185308602 | 0 | 0.0007193193528636414 | 0.004567789918095133 | 0.003793262823023954 | 0.009593105859662483 | 0 | 0 | #DIV/0! | 0.004356924064286003 270 | Sidérurgie, aciérie | 0.01783461892220883 | 0 | 0.009398355691509007 | 0.010090995958093398 | 0 | 0.03835184904960066 | 0 | 0 | #DIV/0! | 0.00974493887728982 280 | Industrie de la fabrication | 0.0030149966031205217 | 0.0021647358061245817 | 0.02810559806865982 | 0.037297796180940854 | 0.019705863633800287 | 0.02334929200183011 | 0 | 0 | #DIV/0! | 0.022358465957955657 290 | Autres industries | 0 | 0 | 0.004169676226213989 | 0.0002720504617241882 | 0.029116102284827566 | 0.012623263270549126 | 0 | 6.858502173082122e-08 | #DIV/0! | 0.01082660375778245 300 | Production et distribution de l'électricité | 0.04692476606856713 | 0 | 0.007834183752270756 | 0.07465311404855077 | 0 | 0.0004193285591941043 | 0 | 0.22576984800804747 | #DIV/0! | 0.031056236310881242 400 | Production et distribution de gaz | 0 | 0 | 0.0004035809608843773 | 0.00012021021672479102 | 5.628952734618236e-06 | 0.010151998712389029 | 0 | 0 | #DIV/0! | 0.0009279733684868271 500 | Traitement et distribution de l'eau | 0 | 0.0002570420516150645 | 0.03380691188001316 | 0.001138287912914165 | 0.0015815502548070179 | 5.96090626727051e-05 | 0 | 0 | #DIV/0! | 0.0042141048273949015 600 | Entrep/ batiment et corps/ métiers corresp. | 0.058011577186291984 | 0.07267774520701684 | 0.09129237177922211 | 0.08100101869896251 | 0.04466743959289826 | 0.10102309019007374 | 0 | 0 | #DIV/0! | 0.06489152438694763 700 | Commerce de gros(1) | 0.09155904873351361 | 0.20565738816959045 | 0.19808831313324046 | 0.145778954306978 | 0.1464919734135702 | 0.1849304662521601 | 0 | 0 | #DIV/0! | 0.14047356156893123 800 | Commerce de détail(2) | 0.006873766549614349 | 0.3026269324488081 | 0.07818348076995311 | 0.17120944248641837 | 0.1795346417440184 | 0.10936347281125547 | 0 | 0.1951724512074153 | #DIV/0! | 0.12999433001992164 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006276777188996464 | 0.0004551967212127163 | 0.001041991157646182 | 6.029075017962314e-05 | 0.0008850555443400848 | 0.0032638689330927962 | 0 | 0 | #DIV/0! | 0.001618130894783814 1000 | Hotels,motels et pensions | 0.05826925422155868 | 0 | 0.0006123806547017235 | 0.024045918236821683 | 0.0011230332038992099 | 0.03096043103907261 | 0.03203362275290444 | 0 | #DIV/0! | 0.019942714587405395 1100 | Transport | 0.09691335966530533 | 0.10330163622764538 | 0.01525558285693555 | 0.006836273878645654 | 0.03136752545625533 | 0.008556233912690548 | 0 | 0 | #DIV/0! | 0.029929019428012446 1200 | Immobilier résidentiel | 0.12261151042565291 | 0.21577864552974207 | 0.14438232776820287 | 0.01602006410855999 | 0.07651867849025082 | 0.03368685320085465 | 0.7435689987422645 | 0 | #DIV/0! | 0.09619691568830326 1300 | Immobilier commercial | 0.1987171990781723 | 0.04756729576065 | 0.1290627926238381 | 0.14354889451222042 | 0.11940469781548683 | 0.01829177964874972 | 0.16151875856454578 | 0 | #DIV/0! | 0.13068715664603953 1400 | Télécommunications | 0.002077881068400607 | 0 | 0.0026214579678328406 | 0.0011388125877130712 | 0.046773298140366085 | 0.0031408467556191806 | 0 | 0 | #DIV/0! | 0.016063021315761802 1500 | Services financiers | 0.009616749858703337 | 0 | 0.037598934684164156 | 0.04740566324171174 | 0.07592648377360689 | 0.18888869103562647 | 0 | 0.10382467802933011 | #DIV/0! | 0.0596909579851526 1510 | Services professionnels | 0.04541795640825758 | 0.01816085490526066 | 0.01881028062119422 | 0.003134524377901643 | 0.009952807932035873 | 0.0342771904353082 | 0 | 0 | #DIV/0! | 0.015823149850508738 1520 | Services médicaux | 2.1723501272483824e-05 | 0 | 0.0013722804519979866 | 0.00017109532876622544 | 0.00048139324139362535 | 0.005053003599460475 | 0 | 0 | #DIV/0! | 0.0007667229530969691 1530 | Services d'agence ou de représentation | 8.457766633753788e-05 | 0.0007168388735440919 | 0.0019352260324999667 | 0.0006502639752512611 | 0.0007531601459100607 | 0.0010585028316225165 | 0 | 0 | #DIV/0! | 0.0007320796201061882 1540 | Services d'enseignement | 0.0032635960946278218 | 0 | 0.002258676430810963 | 0.0025240153491106177 | 0.0003073896902926736 | 0.0021099341563330164 | 0 | 0 | #DIV/0! | 0.001720467291293354 1550 | Autres services | 0.008732158870287785 | 0.007485460578191686 | 0.002121190102181052 | 0.04317127768390499 | 0.011048984655895872 | 0.033518397259434826 | 0 | 0 | #DIV/0! | 0.02048790244200699 1560 | Crédit à la consommation | 0.16076530329889208 | 0.022229194641251282 | 0.12352625428280133 | 0.10202357815123904 | 0.07522397306863132 | 0.029130137575153894 | 0.05935452766744453 | 0.0007313906717374774 | #DIV/0! | 0.09494567972895568 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999999999999999 | 1 | 1 | 0.9999999999999999 | 0.9999999999999998 | 1 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.00130024597735071 | 0.00043971175235562937 | 0.010121649720804456 | 0.011987734875085969 | 0.01812387647532756 | 0.0009481827337238116 | 0 | 0 | #DIV/0! | 0.04292140153464814 Produits pétroliers | 0 | 0 | 0.0007148852868988752 | 0.0006310485647718954 | 1.6011706047326002e-05 | 0.001139915217185477 | 0 | 0 | #DIV/0! | 0.002501860774903574 Produits pharmaceutiques | 0 | 0 | 0.00014215023554099032 | 0.0011674865834702443 | 0.0008571587030483388 | 0.00015699928461788466 | 0 | 0 | #DIV/0! | 0.0023237948066774585 Produits alimentaires | 0.0028774896820737846 | 0.00012140764757914441 | 0.007262085336866904 | 0.01639920489922091 | 0.010665789327091675 | 0.007660032797238277 | 0 | 0 | #DIV/0! | 0.044986009690070695 Matériaux de construction | 0 | 0.0010305660179894484 | 0.0002289809930030153 | 0.0025529709289625322 | 0.00796436915420031 | 0.005224220251455772 | 0 | 0 | #DIV/0! | 0.017001107345611076 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | #VALUE! | #VALUE! | #VALUE! | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.00947026515739732 | 0.0009282089980598536 | 0.0012835550049025673 | 0.009654226624199886 | 0.00903091286845369 | 0.0003722014067394395 | 0 | 0 | #DIV/0! | 0.030739370059752757 S-Total | 0.013648000816821814 | 0.0025198944159840757 | #VALUE! | #VALUE! | #VALUE! | 0.015501551690960663 | - | 0 | #DIV/0! | 0.1404735442116637 (2) Commerce de détail Produits pétroliers | 0.00022161311288073734 | 4.8210557190409786e-05 | 0.000591197584920617 | 0.0006249855592316501 | 0.0013382879753116425 | 0.0004455032006453765 | 0 | 0.0009906264787461689 | #DIV/0! | 0.004260424468926603 Produits pharmaceutiques | 6.409124386326866e-05 | 0 | 8.307598855101381e-06 | 8.332356291031675e-05 | 1.1378808707728105e-05 | 0.00045696272997911176 | 0 | 0 | #DIV/0! | 0.0006240639443155266 Véhicules automobiles | 0.00011068524220475095 | 0 | 0.0015913625354201935 | 0.01800402566266596 | 0.035187612481713565 | 0.004321325055074482 | 0 | 0 | #DIV/0! | 0.05921501097707896 Produits alimentaires | 1.1067591034047266e-05 | 0 | 0.0026064147956402052 | 0.0044565905211068815 | 0.005173973761435768 | 0.0010496387621573378 | 0 | 0 | #DIV/0! | 0.013297685431374238 Librairie ,papeterie | 9.537165292408354e-06 | 0 | 0 | 0.00022840736330582908 | 0.0003482932637771134 | 0 | 0 | 0 | #DIV/0! | 0.0005862377923753509 Appareils électro- ménagers électroni.équip. inform. | 0.00023666540996161275 | 0 | 0.0003626227146509928 | 0.002401924533886409 | 0.0024128792093626892 | 0.0020455166542074693 | 0 | 0.0003371582033643341 | #DIV/0! | 0.007796766725433508 Matériaux de construction | 0 | 0 | 0 | 0.001310120582855421 | 0.003810697013278374 | 1.2971291346817623e-06 | 0 | 0 | #DIV/0! | 0.005122120884298901 Autres | 0.00037096026879042746 | 0.0036598394951352434 | 0.0026365216294493826 | 0.022678507469223473 | 0.00889918147274212 | 0.0008470066612186342 | 0 | 0 | #DIV/0! | 0.03909201699655928 S-Total | 0.0010246200340272528 | 0.003708050052325653 | 0.007796426858936493 | 0.049787885255185946 | 0.057182303986328994 | 0.009167250192417093 | - | 0.0013277846821105029 | #DIV/0! | 0.12999432722036236 [Secteur d'activité juin 18 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2018 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1572315 | 667384.8 | 2952222.4899999998 | 9878043.120000001 | 11127510.97 | 2643503.18 | 0 | 142285.04 | 0 | 28983264.6 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2103433 | 35212.89 | 702610.4999999999 | 3775702.3100000005 | 3429393.26 | 2686943.4 | 133993.39 | 75690.49 | 0 | 12942979.240000002 Industries Manufacturières ( 200 à 290 ) | 1339581 | 4051.66 | 1170995.5199999998 | 4203127.62 | 5454739.9399999995 | 1815513.5000000002 | 14740.92 | 345922.2 | 0 | 14348672.359999998 Prêts aux Particuliers ( 1560 ) | 2567982 | 29187.26 | 1319993.55 | 3179275.06 | 2567445.56 | 261662.24 | 248273.96 | 533.2 | 0 | 10174352.83 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 5132739 | 345777.1 | 2922016.84 | 4972513.41 | 6686998.6 | 466899.45999999996 | 3785890.15 | 0 | 0 | 24312834.56 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1581235 | 135636.57 | 191032.90000000002 | 248520.91999999998 | 2666999.66 | 105069.34000000001 | 0 | 0 | 0 | 4928494.390000001 Bâtiments et Travaux Publics ( 600 ) | 926647 | 95426.95 | 975544.37 | 2524166.7 | 1524530.21 | 907442.61 | 0 | 0 | 0 | 6953757.84 Électricité, Gaz et Eau ( 300 à 500 ) | 749552 | 337.5 | 449286.68999999994 | 2365569.7999999993 | 54171.51 | 95492.67000000001 | 0 | 164591.22 | 0 | 3879001.389999999 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2232.35 | 15241 | 618893.04 | 0.35 | 0 | 0 | 0 | 636366.74 Total | 15973484 | 1313014.73 | 10685935.209999997 | 31162159.94 | 34130682.75 | 8982526.75 | 4182898.42 | 729022.1499999999 | 0 | 107159723.95 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.09843281528312796 | 0.5082843206183986 | 0.2762717939031937 | 0.31698839679339635 | 0.3260266151575887 | 0.29429393906341555 | 0 | 0.19517245120741533 | #DIV/0! | 0.27046789158885287 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1316827938100417 | 0.02681835107820915 | 0.06575096013519625 | 0.12116304894364778 | 0.1004783081873743 | 0.29913001928995087 | 0.03203362275290444 | 0.10382467802933013 | #DIV/0! | 0.12078212562435406 Industries Manufacturières ( 200 à 290 ) | 0.08386279411554799 | 0.003085768885471681 | 0.10958287664931482 | 0.13487921338228007 | 0.1598192447527291 | 0.20211612506469856 | 0.003524092272840802 | 0.4745016320834697 | #DIV/0! | 0.13389986303711449 Prêts aux Particuliers ( 1560 ) | 0.16076530329889208 | 0.022229194641251282 | 0.12352625428280137 | 0.10202357815123902 | 0.07522397306863134 | 0.029130137575153894 | 0.05935452766744453 | 0.0007313906717374775 | #DIV/0! | 0.09494567972895566 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.3213287095038252 | 0.26334594129039207 | 0.27344512039204105 | 0.15956895862078038 | 0.19592337630573767 | 0.05197863284960437 | 0.9050877573068102 | 0 | #DIV/0! | 0.2268840723343427 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.09899124073370594 | 0.10330163622764538 | 0.0178770408247684 | 0.007975086466358723 | 0.07814082359662143 | 0.011697080668309729 | 0 | 0 | #DIV/0! | 0.04599204074377424 Bâtiments et Travaux Publics ( 600 ) | 0.058011577186291984 | 0.07267774520701684 | 0.09129237177922214 | 0.0810010186989625 | 0.04466743959289827 | 0.10102309019007374 | 0 | 0 | #DIV/0! | 0.06489152438694762 Électricité, Gaz et Eau ( 300 à 500 ) | 0.04692476606856713 | 0.0002570420516150645 | 0.04204467659316831 | 0.0759116121781897 | 0.0015871792075416364 | 0.010630936334255839 | 0 | 0.22576984800804753 | #DIV/0! | 0.03619831450676296 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.0002089054402941678 | 0.0004890867651454586 | 0.018133040130877548 | 3.896453745601147e-08 | 0 | 0 | #DIV/0! | 0.005938488048895352 Total | 0.9999999999999999 | 1 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1 | #DIV/0! | 1 [Secteur d' activité mars 18 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 mars 2018 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 2142.1932256749997 | 16821.851 | 577159.97 | 0 | 0 | 0 | 0 | 596124.014225675 200 | Industrie alimentaire | 689620.71314 | 1209.3326299999999 | 399585.73111411993 | 168103.073 | 1337910.78 | 491103.768 | 15107 | 165764.31404 | 0 | 3268404.7119241203 210 | Industrie des boissons | 2.5003 | 0 | 4351.58263 | 1011332.647 | 2217393.73 | 239129.784 | 0 | 0 | 0 | 3472210.24393 220 | Industrie du bois | 36099.988520000006 | 0 | 287.89504 | 13637.444 | 572.76 | 28915.092 | 0 | 0 | 0 | 79513.17956 230 | Industrie chimique | 177.01354999999998 | 0 | 14705.56314 | 514381.791 | 57591.01 | 52396.314 | 0 | 158830.07029 | 0 | 798081.76198 240 | Industrie du textile | 39198.65713 | 0 | 297221.625080195 | 842607.753 | 10230.48 | 124811.412 | 0 | 9790.725 | 0 | 1323860.652210195 250 | Industrie pharmacie | 0 | 0 | 44846.412108855 | 212.415 | 12783.59 | 118458.663 | 0 | 0 | 0 | 176301.080108855 260 | Imprimerie, édition | 51199.46959 | 0 | 8247.95013 | 93094.085 | 76696.86 | 66656.181 | 0 | 0 | 0 | 295894.54572 270 | Sidérurgie, aciérie | 317450.19624 | 0 | 85242.80203 | 321788.4 | 0 | 284678.158 | 0 | 0 | 0 | 1009159.5562700001 280 | Industrie de la fabrication | 50051.80446 | 3024.75382 | 413789.58011914004 | 1220443.672 | 671867.17 | 203411.017 | 0 | 0 | 0 | 2562587.99739914 290 | Autres industries | 0 | 0 | 64167.074031104996 | 5833.916 | 266228.44 | 114998.253 | 0 | 0 | 0 | 451227.68303110497 300 | Production et distribution de l'électricité | 701526.53287 | 0 | 355772.93300556 | 2052923.158 | 0 | 3516.547 | 0 | 160567.89 | 0 | 3274307.06087556 400 | Production et distribution de gaz | 0 | 0 | 0 | 4343.474 | 104.94 | 92232.893 | 0 | 0 | 0 | 96681.307 500 | Traitement et distribution de l'eau | 0 | 388.13241 | 344452.00125561486 | 26193.846 | 59154.97 | 4029.681 | 0 | 0 | 0 | 434218.63066561485 600 | Entrep/ batiment et corps/ métiers corresp. | 948027.31855 | 92007.86456 | 1099779.5697774352 | 2146244.79 | 1455787.72 | 834991.104 | 0 | 0 | 0 | 6576838.366887435 700 | Commerce de gros(1) | 2722786.05031 | 259772.77839 | 1570422.90848789 | 4750474.765 | 4757306.56 | 1829041.695 | 0 | 0 | 0 | 15889804.757187888 800 | Commerce de détail(2) | 118315.00606999999 | 407513.07983999996 | 755877.407492325 | 4719514.079 | 6150948.64 | 782642.037 | 0 | 138806.96652000002 | 0 | 13073617.215922326 900 | Rest/débits/boissons, casinos/activités/loterie | 98658.20658 | 855.23667 | 11892.291246835 | 1801.774 | 27759.49 | 26142.788 | 0 | 0 | 0 | 167109.786496835 1000 | Hotels,motels et pensions | 935907.23895 | 0 | 6065.72467 | 749907.884 | 31171.76 | 272322.371 | 136422.29 | 0 | 0 | 2131797.26862 1100 | Transport | 1547909.22285 | 135977.64508000002 | 153681.17560694503 | 198916.783 | 1049076.76 | 88606.467 | 0 | 0 | 0 | 3174168.053536945 1200 | Immobilier résidentiel / Avance Hypothécaire | 1853604.23309 | 284896.35533 | 1448394.028104035 | 437840.952 | 2598376.91 | 337866.115 | 3107526.19 | 0 | 0 | 10068504.783524035 1300 | Immobilier commercial | 2652459.43075 | 63327.523270000005 | 1433255.2032461597 | 4310070.701 | 4030282.95 | 132461.381 | 803479.14 | 0 | 0 | 13425336.329266159 1400 | Télécommunications | 61404.99427 | 0 | 28662.33697845 | 109247.413 | 1105319.49 | 28794.251 | 0 | 0 | 0 | 1333428.48524845 1500 | Services financiers | 168550.87967 | 0 | 389617.3178834349 | 1382924.513 | 4566834.71 | 1627822.751 | 0 | 58431.27368 | 0 | 8194181.445233434 1510 | Services professionnels | 727382.14781 | 24074.98638 | 150996.61003602503 | 102314.382 | 270197.75 | 319486.975 | 0 | 0 | 0 | 1594452.8512260253 1520 | Services médicaux | 422.78138 | 73.95653 | 13763.41086797 | 5861.544 | 15008.44 | 44062.756 | 0 | 0 | 0 | 79192.88877797 1530 | Services d'agence ou de représentation | 1574.84007 | 941.2188100000001 | 14567.916900465001 | 16505.181 | 26827.38 | 10051.255 | 0 | 0 | 0 | 70467.791780465 1540 | Services d'enseignement | 49914.41167 | 0 | 16447.17741055 | 51445.325 | 12462.94 | 14561.323 | 0 | 0 | 0 | 144831.17708055 1550 | Autres services | 51205.647090000006 | 11332.35758 | 22841.540564490002 | 670243.874 | 321697.81 | 291088.476 | 0 | 0 | 0 | 1368409.70523449 1560 | Crédit à la consommation | 2592880.33271 | 35849.14436 | 1269683.1682765002 | 3092074.88 | 2378656.46 | 233696.882 | 154438.71 | 777.51139 | 0 | 9758057.0887365 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 16416329.617619997 | 1321244.3656600001 | 10420761.130459778 | 29037106.365000002 | 34085410.47 | 8697976.39 | 4216973.33 | 692968.75092 | 0 | 104888770.41965978 (1) Commerce de gros Import-export | 112796 | 47448.97633 | 718696.44623 | 1254533.821 | 1759565.83 | 237505 | 0 | 0 | 4130546.07356 Produits pétroliers | 1056000 | 0 | 77828.87862999999 | 74132.301 | 13644 | 126216 | 0 | 0 | 1347821.17963 Produits pharmaceutiques | 0 | 0 | 15216.03098 | 122817.503 | 99592.03 | 16340 | 0 | 0 | 253965.56398 Produits alimentaires | 465493 | 13171.05873 | 579430.1650299999 | 1918401.019 | 1237367.54 | 810827 | 0 | 0 | 5024689.78276 Matériaux de construction | 0 | 107979.79898 | 26999.914969999998 | 326403.819 | 936892.71 | 599059 | 0 | 0 | 1997335.2429499999 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 Autres | 1088497 | 91172.94434999999 | 152251.47265 | 1054186.302 | 710244.46 | 39095 | 0 | 0 | 0 | 3135447.1789999995 S-Total | 2722786 | 259772.77839 | 1570422.9084900003 | 4750474.765000001 | 4757306.57 | 1829042 | 0 | 0 | 0 | 15889805.021879999 (2) Commerce de détail Produits pétroliers | 24014 | 5240.911480000001 | 1918.8654299999998 | 60783.041 | 125564.39 | 31724 | 0 | 103560.35652 | 352805.56443 Produits pharmaceutiques | 7734 | 872.091 | 10215.504 | 1124.96 | 45047 | 0 | 0 | 0 | 64993.555 Véhicules automobiles | 17206 | 141816.59956 | 1640337.484 | 3846307.51 | 251963 | 0 | 0 | 0 | 5897630.59356 Produits alimentaires | 1564 | 409354.54965 | 488741.815 | 564818.61 | 111751 | 0 | 0 | 0 | 1576229.97465 Librairie ,papeterie | 1022 | 0 | 19836.755 | 21573.88 | 3 | 0 | 0 | 0 | 42435.635 Appareils électro- ménagers électroni.équip. inform. | 27579 | 38161.43613 | 225793.369 | 269621.71 | 248976 | 0 | 35246.61 | 0 | 845378.12513 Matériaux de construction | 0 | 0 | 142069.403 | 414364.45 | 0 | 0 | 556433.853 Autres | 39196 | 402272.16836 | 163753.86572 | 2131736.709 | 907573.13 | 93178 | 0 | 0 | 3737709.87308 S-Total | 118315 | 407513.07984 | 755877.40749 | 4719514.08 | 6150948.64 | 782642 | 0 | 138806.96652000002 | 0 | 13073617.17385 [Secteur d'activité mars 18 (%] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2018 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.00020556974666786966 | 0.0005793225670818317 | 0.0169327569197966 | 0 | 0 | 0 | #DIV/0! | 0.005683392148087769 200 | Industrie alimentaire | 0.042008215551411404 | 0.0009152982305403459 | 0.03834515791232705 | 0.005789250171381531 | 0.039251713901980186 | 0.056461841925050334 | 0.0035824272097068253 | 0.23920893087881348 | #DIV/0! | 0.03116067333850172 210 | Industrie des boissons | 1.5230566504441864e-07 | 0 | 0.0004175877918629541 | 0.034828974839552676 | 0.06505404216715012 | 0.02749257681073103 | 0 | 0 | #DIV/0! | 0.033103736749298264 220 | Industrie du bois | 0.0021990292203473497 | 0 | 2.762706451052656e-05 | 0.00046965575111292595 | 1.6803670312379254e-05 | 0.0033243470324020963 | 0 | 0 | #DIV/0! | 0.0007580714240606303 230 | Industrie chimique | 1.0782772649131481e-05 | 0 | 0.001411179371247249 | 0.01771463673184778 | 0.0016896088152052113 | 0.00602396599515258 | 0 | 0.22920235592028332 | #DIV/0! | 0.00760883895184276 240 | Industrie du textile | 0.0023877844830751476 | 0 | 0.028522064881750266 | 0.029018309965473724 | 0.00030014249084675906 | 0.014349476982197233 | 0 | 0.014128667399506292 | #DIV/0! | 0.012621567084001757 250 | Industrie pharmacie | 0 | 0 | 0.004303563966913069 | 7.315295034219915e-06 | 0.0003750457988837005 | 0.013619106064278474 | 0 | 0 | #DIV/0! | 0.0016808384672970683 260 | Imprimerie, édition | 0.003118813448716729 | 0 | 0.0007914921018476592 | 0.0032060386400006905 | 0.0022501374911563445 | 0.007663412500939198 | 0 | 0 | #DIV/0! | 0.0028210316942045032 270 | Sidérurgie, aciérie | 0.019337464806948926 | 0 | 0.008180093657538716 | 0.011081972010402147 | 0 | 0.03272924013995857 | 0 | 0 | #DIV/0! | 0.0096212354500139 280 | Industrie de la fabrication | 0.0030489034775640915 | 0.0022893220199194926 | 0.03970819165114891 | 0.04203048529212494 | 0.019711282942927694 | 0.023386016227160623 | 0 | 0 | #DIV/0! | 0.024431480959746503 290 | Autres industries | 0 | 0 | 0.006157618740875395 | 0.00020091244377683362 | 0.007810627371916757 | 0.013221265251100548 | 0 | 0 | #DIV/0! | 0.004301963701411923 300 | Production et distribution de l'électricité | 0.04273345803906353 | 0 | 0.03414078190177869 | 0.07069999097687295 | 0 | 0.0004042948431135026 | 0 | 0.2317101453519032 | #DIV/0! | 0.031216945796724127 400 | Production et distribution de gaz | 0 | 0 | 0 | 0.00014958356887914372 | 3.0787365782894737e-06 | 0.010603948420237088 | 0 | 0 | #DIV/0! | 0.000921750790033845 500 | Traitement et distribution de l'eau | 0 | 0.0002937627740089673 | 0.0330543994765205 | 0.0009020818283592082 | 0.0017354923758968598 | 0.00046328948473956476 | 0 | 0 | #DIV/0! | 0.0041398009427349265 600 | Entrep/ batiment et corps/ métiers corresp. | 0.05774904260770093 | 0.06963728054502574 | 0.10553735528614995 | 0.07391386603821465 | 0.042709995271475454 | 0.09599831806395602 | 0 | 0 | #DIV/0! | 0.06270297898024275 700 | Commerce de gros(1) | 0.16585839305928504 | 0.19661221280609656 | 0.15070136325239814 | 0.16360014339190507 | 0.1395701707681386 | 0.2102835893073745 | 0 | 0 | #DIV/0! | 0.15149195374884086 800 | Commerce de détail(2) | 0.007207153415280476 | 0.3084312716341729 | 0.07253571961100835 | 0.16253389782284525 | 0.1804569331918038 | 0.08997978402192466 | 0 | 0.20030768535481136 | #DIV/0! | 0.12464267779682045 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0060097603348624315 | 0.000647296361088196 | 0.0011412113854211623 | 6.20507421556225e-05 | 0.0008144097318244794 | 0.0030056172640404236 | 0 | 0 | #DIV/0! | 0.0015932095097333017 1000 | Hotels,motels et pensions | 0.05701074848944741 | 0 | 0.0005820807706905352 | 0.02582584760938523 | 0.0009145191320912968 | 0.03130870432266142 | 0.03235075949602935 | 0 | #DIV/0! | 0.020324361321909706 1100 | Transport | 0.09429082254711772 | 0.10291634811405627 | 0.014747596042455721 | 0.006850434079057036 | 0.030777882546649586 | 0.010187020868655174 | 0 | 0 | #DIV/0! | 0.030262229606058916 1200 | Immobilier résidentiel | 0.11291222071348318 | 0.21562730009273187 | 0.1389911936346371 | 0.015078670253718994 | 0.07623135160091268 | 0.03884422075328259 | 0.7369091399968611 | 0 | #DIV/0! | 0.09599220911104178 1300 | Immobilier commercial | 0.1615744501074746 | 0.047930212545024595 | 0.13753843748099834 | 0.14843320291016196 | 0.11824070458377556 | 0.015228988337136654 | 0.19053455574024225 | 0 | #DIV/0! | 0.12799593584281152 1400 | Télécommunications | 0.003740482537831886 | 0 | 0.002750503213692355 | 0.0037623381485312815 | 0.03242793543509878 | 0.003310454030790948 | 0 | 0 | #DIV/0! | 0.01271278593421779 1500 | Services financiers | 0.010267269456449677 | 0 | 0.03738856624825489 | 0.047626113140079064 | 0.13398209518466744 | 0.18714959411380971 | 0 | 0.08432021444318434 | #DIV/0! | 0.07812258082965917 1510 | Services professionnels | 0.04430845169125291 | 0.01822144866288519 | 0.014489979008794614 | 0.003523573620384057 | 0.007927079248108582 | 0.03673118443587773 | 0 | 0 | #DIV/0! | 0.015201368505385488 1520 | Services médicaux | 2.5753709254608273e-05 | 5.5974906627553756e-05 | 0.0013207682908822937 | 0.00020186391599492286 | 0.00044031859358741065 | 0.005065862911591555 | 0 | 0 | #DIV/0! | 0.0007550178008677135 1530 | Services d'agence ou de représentation | 9.593131392230883e-05 | 0.0007123729981091225 | 0.0013979705242338901 | 0.0005684168660791418 | 0.0007870634277270008 | 0.0011555854545151276 | 0 | 0 | #DIV/0! | 0.0006718335194370522 1540 | Services d'enseignement | 0.003040534201775883 | 0 | 0.0015783086479619103 | 0.0017717097686431261 | 0.00036563854822781606 | 0.0016741046821811389 | 0 | 0 | #DIV/0! | 0.001380807273277022 1550 | Autres services | 0.0031191897508587967 | 0.008577033798240007 | 0.0021919263169486165 | 0.023082323203109562 | 0.009437991374143485 | 0.03346622972380821 | 0 | 0 | #DIV/0! | 0.013046293704840712 1560 | Crédit à la consommation | 0.15794519195856097 | 0.027132864511473096 | 0.12184169202048296 | 0.10648701840783438 | 0.06978517867911714 | 0.026867960031333217 | 0.03662311755716036 | 0.0011220006514980068 | #DIV/0! | 0.09303242901689601 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 1 | 1 | 0.9999999999999997 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.0010753868078413296 | 0.00045237422595533085 | 0.006851986569720446 | 0.011960611378897975 | 0.016775540631852014 | 0.0022643510744738728 | 0 | 0 | #DIV/0! | 0.039380250688740966 Produits pétroliers | 0.010067807981492642 | 0 | 0.0007420134521417955 | 0.0007067706171346733 | 0.00013008065539724014 | 0.0012033318676061319 | 0 | 0 | #DIV/0! | 0.01285000457377248 Produits pharmaceutiques | 0 | 0 | 0.0001450682558211016 | 0.0011709309062219663 | 0.0009495013584536502 | 0.0001557840742590812 | 0 | 0 | #DIV/0! | 0.0024212845947557994 Produits alimentaires | 0.004437967936296358 | 0.0001255716763320098 | 0.005524234507771431 | 0.018289860881431644 | 0.011796949616715829 | 0.007730350892244066 | 0 | 0 | #DIV/0! | 0.047904935510791335 Matériaux de construction | 0 | 0.0010294695852375144 | 0.00025741473431305743 | 0.0031119043315510223 | 0.008932249908655559 | 0.005711374035591857 | 0 | 0 | #DIV/0! | 0.019042412595349008 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.010377631424650376 | 0.000869234561385525 | 0.0014515516965337867 | 0.010050516349674063 | 0.006771406101514139 | 0.0003727281752239155 | 0 | 0 | #DIV/0! | 0.0298930683089818 S-Total | 0.025958794150280705 | 0.00247665004891038 | 0.014972269216301617 | 0.04529059446491134 | 0.04535572827258843 | 0.017437920119398924 | - | 0 | #DIV/0! | 0.1514919562723914 (2) Commerce de détail Produits pétroliers | 0.00022894729248822376 | 4.9966373511970094e-05 | 1.8294288533678322e-05 | 0.0005794999860977221 | 0.0011971194771148246 | 0.0003024537314440081 | 0 | 0.0009873350226688254 | #DIV/0! | 0.0033636161718592524 Produits pharmaceutiques | 7.373525277354554e-05 | 0 | 8.314436297715814e-06 | 9.739368627478221e-05 | 1.0725266351193146e-05 | 0.00042947400202869227 | 0 | 0 | #DIV/0! | 0.000619642643725929 Véhicules automobiles | 0.00016404043951663105 | 0 | 0.0013520665653014336 | 0.015638828422118143 | 0.03667034606861087 | 0.002402192331856847 | 0 | 0 | #DIV/0! | 0.05622747382740393 Produits alimentaires | 1.4911033790771298e-05 | 0 | 0.003902749055138822 | 0.004659620024570265 | 0.005384929270694678 | 0.0010654238728596442 | 0 | 0 | #DIV/0! | 0.01502763325705418 Librairie ,papeterie | 9.743655072997613e-06 | 0 | 0 | 0.00018912181848097925 | 0.00020568341028008 | 2.860172722014955e-08 | 0 | 0 | #DIV/0! | 0.000404577485561277 Appareils électro- ménagers électroni.équip. inform. | 0.0002629356783348348 | 0 | 0.00036382766217313983 | 0.0021526934494188574 | 0.0025705488673500895 | 0.0023737145454546514 | 0 | 0.00033603797488499843 | #DIV/0! | 0.008059758177616571 Matériaux de construction | 0 | 0 | 0 | 0.001354476770311832 | 0.003950512989542432 | 0 | 0 | 0 | #DIV/0! | 0.005304989759854264 Autres | 0.00037369110004032726 | 0.0038352262758969318 | 0.0015612144661894794 | 0.020323783951999106 | 0.008652719698865776 | 0.0008883505796396982 | 0 | 0 | #DIV/0! | 0.03563498607263132 S-Total | 0.0011280044520173313 | 0.003885192649408902 | 0.007206466473634269 | 0.044995418109271684 | 0.05864258504880994 | 0.007461637665010762 | - | 0.0013233729975538238 | #DIV/0! | 0.12464267739570672 [Secteur d'activité mars 18 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2018 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 2841101.05638 | 667285.8582299999 | 2326300.3159802146 | 9469988.844 | 10908255.2 | 2611683.732 | 0 | 138806.96652000002 | 0 | 28963421.973110218 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2033616.1532200002 | 37277.75597 | 626191.9895797699 | 2981004.4770000004 | 5271960.28 | 2605538.6949999994 | 136422.29 | 58431.27368 | 0 | 13750442.914449768 Industries Manufacturières ( 200 à 290 ) | 1183800.34293 | 4234.08645 | 1332446.215423415 | 4191435.1959999995 | 4651274.819999999 | 1724558.6420000002 | 15107 | 334385.10933 | 0 | 13437241.412133416 Prêts aux Particuliers ( 1560 ) | 2592880.33271 | 35849.14436 | 1269683.1682765002 | 3092074.88 | 2378656.46 | 233696.882 | 154438.71 | 777.51139 | 0 | 9758057.0887365 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 4506063.66384 | 348223.8786 | 2881649.2313501947 | 4747911.653 | 6628659.86 | 470327.496 | 3911005.33 | 0 | 0 | 23493841.112790197 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1609314.21712 | 135977.64508000002 | 182343.51258539504 | 308164.196 | 2154396.25 | 117400.71800000001 | 0 | 0 | 0 | 4507596.538785395 Bâtiments et Travaux Publics ( 600 ) | 948027.31855 | 92007.86456 | 1099779.5697774352 | 2146244.79 | 1455787.72 | 834991.104 | 0 | 0 | 0 | 6576838.366887435 Électricité, Gaz et Eau ( 300 à 500 ) | 701526.53287 | 388.13241 | 700224.9342611749 | 2083460.478 | 59259.91 | 99779.121 | 0 | 160567.89 | 0 | 3805206.9985411745 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2142.1932256749997 | 16821.851 | 577159.97 | 0 | 0 | 0 | 0 | 596124.014225675 Total | 16416329.617619999 | 1321244.36566 | 10420761.130459774 | 29037106.365 | 34085410.47 | 8697976.389999999 | 4216973.33 | 692968.75092 | 0 | 104888770.4196598 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1730655464745655 | 0.5050434844402695 | 0.22323708286340654 | 0.32613404121475037 | 0.32002710395994244 | 0.3002633733292992 | 0 | 0.20030768535481136 | #DIV/0! | 0.2761346315456613 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.12387763894782403 | 0.028214126726950072 | 0.06009081119318793 | 0.10266189886583076 | 0.15466911524037752 | 0.2995568829084853 | 0.03235075949602935 | 0.08432021444318434 | #DIV/0! | 0.13109547246511014 Industries Manufacturières ( 200 à 290 ) | 0.07211114606637782 | 0.0032046202504598387 | 0.12786457714002183 | 0.14434755114070746 | 0.13645940465037912 | 0.19827124892897077 | 0.0035824272097068253 | 0.48253995419860307 | #DIV/0! | 0.128109437820379 Prêts aux Particuliers ( 1560 ) | 0.15794519195856097 | 0.0271328645114731 | 0.121841692020483 | 0.1064870184078344 | 0.06978517867911714 | 0.026867960031333224 | 0.03662311755716036 | 0.0011220006514980068 | #DIV/0! | 0.093032429016896 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.27448667082095773 | 0.2635575126377565 | 0.27652963111563555 | 0.16351187316388094 | 0.19447205618468824 | 0.05407320909041925 | 0.9274436957371035 | 0 | #DIV/0! | 0.2239881449538533 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.09803130508494959 | 0.10291634811405628 | 0.017498099256148085 | 0.01061277222758832 | 0.06320581798174836 | 0.013497474899446126 | 0 | 0 | #DIV/0! | 0.042975015540276704 Bâtiments et Travaux Publics ( 600 ) | 0.057749042607700925 | 0.06963728054502576 | 0.10553735528614999 | 0.07391386603821466 | 0.042709995271475454 | 0.09599831806395605 | 0 | 0 | #DIV/0! | 0.06270297898024275 Électricité, Gaz et Eau ( 300 à 500 ) | 0.042733458039063525 | 0.00029376277400896736 | 0.06719518137829922 | 0.0717516563741113 | 0.0017385711124751494 | 0.011471532748090159 | 0 | 0.2317101453519032 | #DIV/0! | 0.03627849752949289 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.00020556974666786974 | 0.0005793225670818319 | 0.0169327569197966 | 0 | 0 | 0 | #DIV/0! | 0.005683392148087768 Total | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d'activité déc 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 66392.99211 | 17941.888 | 609410.34 | 0 | 0 | 0 | 0 | 693745.22011 200 | Industrie alimentaire | 704512 | 1209.3326299999999 | 257718.71928999998 | 127602.323 | 1544134.85 | 511817.791 | 16016.99046 | 135952.84231 | 0 | 3298964.8486900004 210 | Industrie des boissons | 7 | 0 | 3726.73738 | 1056603.848 | 2051691.05 | 237736.987 | 0 | 17500 | 0 | 3367265.62238 220 | Industrie du bois | 34907 | 0 | 5840.9893600000005 | 671.331 | 0 | 29807.925 | 0 | 0 | 0 | 71227.24536 230 | Industrie chimique | 209 | 0 | 15205.557480000001 | 420808.992 | 67653.49 | 48960.856 | 0 | 130621.35829 | 0 | 683459.2537700001 240 | Industrie du textile | 45441 | 0 | 125959.16653 | 804482.843 | 8629.06 | 93294.493 | 0 | 16892.52562 | 0 | 1094699.08815 250 | Industrie pharmacie | 0 | 0 | 39849.94216 | 367.584 | 17122.24 | 130356.214 | 0 | 0 | 0 | 187695.98016 260 | Imprimerie, édition | 8007 | 0 | 12346.10962 | 43950.669 | 42083.59 | 49402.152 | 0 | 0 | 0 | 155789.52062 270 | Sidérurgie, aciérie | 317468 | 0 | 122510.93319 | 352057.057 | 0 | 364752.891 | 0 | 0 | 0 | 1156788.88119 280 | Industrie de la fabrication | 51483 | 3028.52303 | 374211.751 | 1233675.062 | 720797.56 | 188659.167 | 0 | 0 | 0 | 2571855.06303 290 | Autres industries | 0 | 0 | 34581.35447 | 6587.802 | 205640.73 | 61764.463 | 0 | 0.03821 | 0 | 308574.38768000004 300 | Production et distribution de l'électricité | 685325 | 0 | 44969.99029 | 1235293.192 | 127374.2 | 2362.491 | 0 | 156670.266 | 0 | 2251995.13929 400 | Production et distribution de gaz | 0 | 0 | 153.23848999999998 | 5129.296 | 889.15 | 91260.498 | 0 | 0 | 0 | 97432.18249 500 | Traitement et distribution de l'eau | 0 | 751.98289 | 314374.23935000005 | 24257.56 | 46305.34 | 583.11 | 0 | 0 | 0 | 386272.23224000004 600 | Entrep/ batiment et corps/ métiers corresp. | 969116 | 96449.64968999999 | 745821.96656 | 2219174.666 | 1459708.74 | 427166.792 | 0 | 0 | 0 | 5917437.814250001 700 | Commerce de gros(1) | 1653932 | 268445.74466 | 1932867.02699 | 4584494.685 | 4459767.28 | 1950282.65 | 0 | 32500 | 0 | 14882289.386650002 800 | Commerce de détail(2) | 118736 | 393899.10095999995 | 570041.0514700001 | 4470117.554 | 5983294.83 | 779481.47 | 0 | 34391.034 | 0 | 12349961.04043 900 | Rest/débits/boissons, casinos/activités/loterie | 96815 | 935.77567 | 12078.318070000001 | 5061.885 | 22244.09 | 28989.781 | 0 | 0 | 0 | 166124.84974 1000 | Hotels,motels et pensions | 937980 | 0 | 6152.50626 | 742969.761 | 19074.34 | 343139.865 | 137419.7759 | 0 | 0 | 2186736.24816 1100 | Transport | 1583566 | 137422.97494 | 182986.70569 | 213428.761 | 887379.11 | 66082.113 | 0 | 0 | 0 | 3070865.66463 1200 | Immobilier résidentiel / Avance Hypothécaire | 1799641 | 291191.15676 | 1352459.2794 | 304869.369 | 2576714.42 | 331680.003 | 2914814.39063 | 0 | 0 | 9571369.618789999 1300 | Immobilier commercial | 1953822 | 51100.69032 | 1184834.69899 | 3975695.603 | 4106526.02 | 150503.635 | 957343.60907 | 0 | 0 | 12379826.25638 1400 | Télécommunications | 73213 | 0 | 47776.18797 | 109485.489 | 625688.09 | 29137.603 | 0 | 0 | 0 | 885300.36997 1500 | Services financiers | 163080 | 0 | 436840.25068 | 1702575.675 | 4060864.13 | 1558392.319 | 0 | 121806.81421 | 0 | 8043559.188890001 1510 | Services professionnels | 735595 | 24113.200739999997 | 151241.68059 | 104030.336 | 404503.07 | 221968.186 | 0 | 0 | 0 | 1641451.47333 1520 | Services médicaux | 494 | 184.61553 | 4345.84979 | 3041.769 | 18232.58 | 46455.809 | 0 | 0 | 0 | 72754.62332 1530 | Services d'agence ou de représentation | 3966 | 941.2188100000001 | 36928.40153 | 18971.735 | 27504.72 | 1106.579 | 0 | 0 | 0 | 89418.65434000001 1540 | Services d'enseignement | 60181 | 0 | 17745.991420000002 | 149999.898 | 10789.88 | 9993.102 | 0 | 0 | 0 | 248709.87142 1550 | Autres services | 47058 | 10120.13259 | 26992.84749 | 731160.152 | 378733.99 | 311722.841 | 0 | 0 | 0 | 1505787.9630800001 1560 | Crédit à la consommation | 2728910 | 42379.471170000004 | 1331156.3598800001 | 3358610.613 | 1962464.12 | 226159.857 | 140654.66159 | 1286.0620900000001 | 0 | 9791621.144730002 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 14773464 | 1322173.57039 | 9458110.843500001 | 28023117.397999994 | 32445221.009999998 | 8293021.643000001 | 4166249.4276500004 | 647620.94073 | 0 | 99128978.83327 (1) Commerce de gros Import-export | 84802 | 48067.967710000004 | 1051946.38707 | 977745.231 | 1839883.73 | 296424 | 0 | 0 | 4298869.31578 Produits pétroliers | 0 | 0 | 78705.26105 | 73351.936 | 20317.57 | 110041 | 0 | 0 | 282415.76705 Produits pharmaceutiques | 0 | 0 | 12769.750119999999 | 137866.901 | 102395.49 | 16035 | 0 | 0 | 269067.14112000004 Produits alimentaires | 443810 | 12893.232880000001 | 573047.75654 | 2043119.214 | 1047421.19 | 708873 | 0 | 0 | 4829164.39342 Matériaux de construction | 1125320 | 105601.1466 | 27200.38657 | 330705.02 | 801943.08 | 696607 | 0 | 0 | 3087376.6331700003 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0 | 101883.39747 | 189197.48564 | 1021706.383 | 647806.21 | 122229 | 73.66 | 32500 | 0 | 2115396.13611 S-Total | 1653932 | 268445.74465999997 | 1932867.0269900002 | 4584494.6850000005 | 4459767.27 | 1950209 | 73.66 | 32500 | 0 | 14882289.38665 (2) Commerce de détail Produits pétroliers | 24801 | 5313.74053 | 2067.72842 | 62934.122 | 119263.69 | 54008 | 0 | 268388.28095 Produits pharmaceutiques | 8559 | 0 | 568.35454 | 12698.025 | 1458.47 | 25654 | 0 | 0 | 48937.84954 Véhicules automobiles | 15753 | 0 | 87410.83056999999 | 1582640.129 | 3574981.62 | 268114 | 0 | 0 | 5528899.57957 Produits alimentaires | 1988 | 0 | 270872.98269 | 487557.229 | 626503.62 | 95495 | 0 | 0 | 1482416.83169 Librairie ,papeterie | 1057 | 0 | 0 | 24385.863 | 24475.67 | 2 | 0 | 0 | 49920.532999999996 Appareils électro- ménagers électroni.équip. inform. | 2559 | 0 | 37593.23401 | 227368.008 | 272991.43 | 253604 | 0 | 0 | 794115.67201 Matériaux de construction | 25089 | 0 | 0 | 158579.843 | 502520.05 | 80 | 0 | 0 | 686268.8929999999 Autres | 38930 | 388585.36043 | 171527.92124 | 1913954.335 | 861100.28 | 82515 | 9.47 | 34391.03 | 0 | 3491013.3966699997 S-Total | 118736 | 393899.10096 | 570041.0514700001 | 4470117.554 | 5983294.83 | 779472 | 9.47 | 34391.03 | 0 | 12349961.036430001 [Secteur d'activité déc. 17 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0.007019688520105257 | 0.0006402531076460647 | 0.018782745841434478 | 0 | 0 | 0 | #DIV/0! | 0.006998409832071859 200 | Industrie alimentaire | 0.04768766485639387 | 0.0009146549719968192 | 0.027248435079095606 | 0.004553466382334286 | 0.04759205830418229 | 0.06171668337945515 | 0.003844462684759248 | 0.20992656932426182 | #DIV/0! | 0.03327952015160667 210 | Industrie des boissons | 4.7382252395240547e-07 | 0 | 0.0003940255555961438 | 0.037704721890627686 | 0.06323553935316528 | 0.02866711281293589 | 0 | 0.027021979833255477 | #DIV/0! | 0.03396852930406529 220 | Industrie du bois | 0.0023628175490866595 | 0 | 0.0006175640629137018 | 2.395632828658502e-05 | 0 | 0.0035943382621170853 | 0 | 0 | #DIV/0! | 0.0007185310107935307 230 | Industrie chimique | 1.4146986786578963e-05 | 0 | 0.0016076738506876221 | 0.015016494632750356 | 0.0020851603994051513 | 0.005903862079188835 | 0 | 0.20169415482884673 | #DIV/0! | 0.006894646366927117 240 | Industrie du textile | 0.0030758527587030366 | 0 | 0.013317581979551896 | 0.028707828310972135 | 0.00026595781231819696 | 0.01124975877504773 | 0 | 0.026083970664936652 | #DIV/0! | 0.011043179310776814 250 | Industrie pharmacie | 0 | 0 | 0.004213308854102349 | 1.311717018415069e-05 | 0.0005277276426849651 | 0.015718783769246698 | 0 | 0 | #DIV/0! | 0.001893452170789485 260 | Imprimerie, édition | 0.0005419852784695586 | 0 | 0.0013053462603987928 | 0.0015683718686892686 | 0.0012970659064713826 | 0.005957075011579105 | 0 | 0 | #DIV/0! | 0.0015715840358048094 270 | Sidérurgie, aciérie | 0.021489069862017467 | 0 | 0.012953002477677082 | 0.012563093962741141 | 0 | 0.04398311094580125 | 0 | 0 | #DIV/0! | 0.011669532913636297 280 | Industrie de la fabrication | 0.0034848292858059558 | 0.002290563884972137 | 0.039565168688752844 | 0.044023476920096234 | 0.022215831409434436 | 0.02274914682747078 | 0 | 0 | #DIV/0! | 0.025944533004377376 290 | Autres industries | 0 | 0 | 0.00365626445303987 | 0.00023508455203025236 | 0.006338089974379251 | 0.007447763391783059 | 0 | 5.900056282449667e-08 | #DIV/0! | 0.0031128575247305512 300 | Production et distribution de l'électricité | 0.046388917318240325 | 0 | 0.004754648262650168 | 0.04408121960364633 | 0.003925823157769268 | 0.0002848769847350077 | 0 | 0.24191661533272976 | #DIV/0! | 0.022717828487648837 400 | Production et distribution de gaz | 0 | 0 | 1.6201807373119518e-05 | 0.00018303802275638603 | 2.74046522822561e-05 | 0.01100449292532975 | 0 | 0 | #DIV/0! | 0.0009828829433810276 500 | Traitement et distribution de l'eau | 0 | 0.0005687474828121004 | 0.03323858691781465 | 0.0008656267486404371 | 0.001427185223541185 | 7.031333392120028e-05 | 0 | 0 | #DIV/0! | 0.003896663082646001 600 | Entrep/ batiment et corps/ métiers corresp. | 0.06559842701752278 | 0.0729477973618474 | 0.07885527870214792 | 0.07919085640908682 | 0.044989945963077295 | 0.05150918572129427 | 0 | 0 | #DIV/0! | 0.05969432837800979 700 | Commerce de gros(1) | 0.11195289066937855 | 0.20303366416620844 | 0.20436079244285288 | 0.16359688395435956 | 0.13745529052261496 | 0.23517153746321168 | 0 | 0.05018367683318874 | #DIV/0! | 0.15013056284662502 800 | Commerce de détail(2) | 0.008037113029144689 | 0.29791784511606295 | 0.06027007516641185 | 0.15951535621511656 | 0.1844122075222073 | 0.09399245577249242 | 0 | 0.05310364726816019 | #DIV/0! | 0.12458477012258967 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006553303950921734 | 0.0007077555405406987 | 0.0012770328313820422 | 0.00018063247311525968 | 0.0006855891039590733 | 0.003495683750502422 | 0 | 0 | #DIV/0! | 0.001675845466131692 1000 | Hotels,motels et pensions | 0.06349086443098247 | 0 | 0.0006505005451726391 | 0.026512744833057926 | 0.0005878936683501421 | 0.04137694073060071 | 0.0329840491517361 | 0 | #DIV/0! | 0.022059505443286987 1100 | Transport | 0.10718989128074499 | 0.10393716681196742 | 0.01934706715937421 | 0.007616167679304386 | 0.0273500713626361 | 0.007968399920405222 | 0 | 0 | #DIV/0! | 0.030978485814880056 1200 | Immobilier résidentiel | 0.12181577726117584 | 0.22023670967353223 | 0.14299465313725576 | 0.010879209642170592 | 0.07941737919448372 | 0.039995072637964896 | 0.6996255124057994 | 0 | #DIV/0! | 0.09655470813321466 1300 | Immobilier commercial | 0.13225212448481954 | 0.03864900302380639 | 0.1252718136417556 | 0.14187199612858722 | 0.12656797803085762 | 0.018148226482326568 | 0.229785476288681 | 0 | #DIV/0! | 0.1248860464627831 1400 | Télécommunications | 0.004955709778018209 | 0 | 0.005051345745523139 | 0.003906970357545373 | 0.019284445305740267 | 0.003513508616560112 | 0 | 0 | #DIV/0! | 0.008930792795303896 1500 | Services financiers | 0.011038711029451184 | 0 | 0.04618683983601381 | 0.06075611256303386 | 0.12516062469564915 | 0.18791610417602278 | 0 | 0.18808350155061235 | #DIV/0! | 0.08114235901107048 1510 | Services professionnels | 0.04979163992953853 | 0.01823754556891298 | 0.015990685993486686 | 0.0037123041852376005 | 0.012467261969808355 | 0.02676565859289172 | 0 | 0 | #DIV/0! | 0.01655874490637939 1520 | Services médicaux | 3.343833240464119e-05 | 0.0001396303285245251 | 0.00045948391406161677 | 0.00010854499008083556 | 0.00056194963179263 | 0.005601795220106843 | 0 | 0 | #DIV/0! | 0.0007339389972166429 1530 | Services d'agence ou de représentation | 0.0002684543042850343 | 0.0007118723525250697 | 0.003904416235022103 | 0.0006770030161367418 | 0.0008477279286068886 | 0.0001334349586479187 | 0 | 0 | #DIV/0! | 0.0009020435335099913 1540 | Services d'enseignement | 0.0040735876162828165 | 0 | 0.0018762723035959945 | 0.005352719894422077 | 0.00033255683469298706 | 0.0012050013167920536 | 0 | 0 | #DIV/0! | 0.0025089522190914287 1550 | Autres services | 0.0031853057617360426 | 0.007654163429552502 | 0.0028539364717374382 | 0.026091321019558758 | 0.011673028514223088 | 0.03758857198487116 | 0 | 0 | #DIV/0! | 0.01519018939570295 1560 | Crédit à la consommation | 0.18471700340556554 | 0.032052880286738285 | 0.1407423091044471 | 0.1198514271377853 | 0.06048546007423237 | 0.02727110415669754 | 0.03376049946902415 | 0.0019858253634453937 | #DIV/0! | 0.09877657633494864 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999998 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999998 | 1 | 0.9999999999999999 | #DIV/0! | 0.9999999999999999 (1) Commerce de gros Import-export | 0.0057401568108874125 | 0.03635526286902063 | 0.11122161755938188 | 0.03489066605665298 | 0.05670738779781855 | 0.03574378709721643 | 0 | 0 | #DIV/0! | 0.04336642388912816 Produits pétroliers | 0 | 0 | 0.008321456827088198 | 0.0026175508940784412 | 0.0006262114840807491 | 0.0132691080208242 | 0 | 0 | #DIV/0! | 0.0028489728268563047 Produits pharmaceutiques | 0 | 0 | 0.0013501374990520323 | 0.004919756037200899 | 0.003155949838296386 | 0.001933553376595233 | 0 | 0 | #DIV/0! | 0.002714313657689923 Produits alimentaires | 0.03004102490790244 | 0.009751543344038332 | 0.060587972167171385 | 0.07290834866736907 | 0.032282757133236126 | 0.08547825274257516 | 0 | 0 | #DIV/0! | 0.048715970347504675 Matériaux de construction | 0.07617170895058871 | 0.07986935222797635 | 0.0028758794457027547 | 0.011801150289710537 | 0.024716832095328666 | 0.0839991778615451 | 0 | 0 | #DIV/0! | 0.03114504627716194 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0 | 0.07705750572517311 | 0.02000372894445662 | 0.03645941200934765 | 0.019966151865642663 | 0.014738777403670642 | 1.7680170445663497e-05 | 0.05018367683318874 | #DIV/0! | 0.02133983584828399 S-Total | 0.11195289066937857 | 0.20303366416620844 | 0.20436079244285288 | 0.1635968839543596 | 0.13745529021440314 | 0.23516265650242674 | - | 0.05018367683318874 | #DIV/0! | 0.150130562846625 (2) Commerce de détail Produits pétroliers | 0.0016787532023633726 | 0.004018943237862947 | 0.00021861960112478773 | 0.0022457930395885077 | 0.0036758476683897926 | 0.006512463408990044 | 0 | 0 | #DIV/0! | 0.0027074654062705086 Produits pharmaceutiques | 0.0005793495689298054 | 0 | 6.0091761389178096e-05 | 0.00045312678170867087 | 4.495176653444532e-05 | 0.00309344423593228 | 0 | 0 | #DIV/0! | 0.0004936785399788191 Véhicules automobiles | 0.001066303745688892 | 0 | 0.00924189111508164 | 0.05647623376523244 | 0.11018515234949852 | 0.03233007358980071 | 0 | 0 | #DIV/0! | 0.055774806163083085 Produits alimentaires | 0.00013456559680248315 | 0 | 0.02863922692089773 | 0.01739839369315838 | 0.019309580902743866 | 0.01151510319288817 | 0 | 0 | #DIV/0! | 0.014954424519830383 Librairie ,papeterie | 7.154720111681322e-05 | 0 | 0 | 0.0008702052185578902 | 0.0007543690330374483 | 2.411666200929508e-07 | 0 | 0 | #DIV/0! | 0.0005035917204792742 Appareils électro- ménagers électroni.équip. inform. | 0.0001732159769706008 | 0 | 0.0039747085471974145 | 0.008113587249084116 | 0.008413918028663168 | 0.03058040976102635 | 0 | 0 | #DIV/0! | 0.008010933647825253 Matériaux de construction | 0.0016982476147774145 | 0 | 0 | 0.0056588937179172585 | 0.015488260962843108 | 9.646664803718032e-06 | 0 | 0 | #DIV/0! | 0.006922989635092176 Autres | 0.0026351301224953063 | 0.2938989018782 | 0.018135537220721087 | 0.06829912274986931 | 0.026540126810496955 | 0.009949931828484918 | 0 | 0.053103641091707655 | #DIV/0! | 0.035216880449678696 S-Total | 0.008037113029144689 | 0.29791784511606295 | 0.060270075166411835 | 0.1595153562151166 | 0.1844122075222073 | 0.09399131384854627 | - | 0.053103641091707655 | #DIV/0! | 0.1245847700822382 [Secteur d'activité déc.17 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1772668 | 662344.84562 | 2502908.07846 | 9054612.239 | 10443062.11 | 2729764.12 | 0 | 66891.034 | 0 | 27232250.42708 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2045169 | 36294.94333999999 | 692325.84583 | 3457811.211 | 4941946.8 | 2521768.4819999994 | 137419.7759 | 121806.81421 | 0 | 13954542.87228 Industries Manufacturières ( 200 à 290 ) | 1162034 | 4237.855659999999 | 991951.26048 | 4046807.5110000004 | 4657752.570000001 | 1716552.939 | 16016.99046 | 300966.76443 | 0 | 12896319.89103 Prêts aux Particuliers ( 1560 ) | 2728910 | 42379.471170000004 | 1331156.3598800001 | 3358610.613 | 1962464.12 | 226159.857 | 140654.66159 | 1286.0620900000001 | 0 | 9791621.144730002 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3753463 | 342291.84708 | 2537293.97839 | 4280564.972 | 6683240.4399999995 | 482183.63800000004 | 3872157.9996999996 | 0 | 0 | 21951195.87517 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1656779 | 137422.97494 | 230762.89366 | 322914.25 | 1513067.2 | 95219.716 | 0 | 0 | 0 | 3956166.0346 Bâtiments et Travaux Publics ( 600 ) | 969116 | 96449.64968999999 | 745821.96656 | 2219174.666 | 1459708.74 | 427166.792 | 0 | 0 | 0 | 5917437.814250001 Électricité, Gaz et Eau ( 300 à 500 ) | 685325 | 751.98289 | 359497.46813000005 | 1264680.0480000002 | 174568.69 | 94206.099 | 0 | 156670.266 | 0 | 2735699.5540199997 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 66392.99211 | 17941.888 | 609410.34 | 0 | 0 | 0 | 0 | 693745.22011 Total | 14773464 | 1322173.57039 | 9458110.843500001 | 28023117.398000002 | 32445221.009999998 | 8293021.643000001 | 4166249.4276499995 | 647620.9407299999 | 0 | 99128978.83327001 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.11999000369852325 | 0.5009515092822714 | 0.26463086760926474 | 0.3231122401694761 | 0.32186749804482223 | 0.3291639932357041 | 0 | 0.10328732410134894 | #DIV/0! | 0.27471533296921463 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.13843530535560244 | 0.02745096722005577 | 0.07319916813047232 | 0.12339138297464303 | 0.1523166323470823 | 0.30408319073043555 | 0.032984049151736104 | 0.1880835015506124 | #DIV/0! | 0.14077157897238954 Industries Manufacturières ( 200 à 290 ) | 0.07865684039978708 | 0.003205218856968956 | 0.10487837126181591 | 0.14440961201871208 | 0.143557430802041 | 0.20698763525462557 | 0.0038444626847592487 | 0.46472673365186357 | #DIV/0! | 0.13009636579350792 Prêts aux Particuliers ( 1560 ) | 0.18471700340556554 | 0.032052880286738285 | 0.1407423091044471 | 0.11985142713778527 | 0.06048546007423237 | 0.02727110415669754 | 0.03376049946902416 | 0.001985825363445394 | #DIV/0! | 0.09877657633494863 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.25406790174599536 | 0.2588857126973386 | 0.26826646677901134 | 0.15275120577075776 | 0.20598535722534134 | 0.05814329912029147 | 0.9294109886944805 | 0 | #DIV/0! | 0.22144075459599774 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.1121456010587632 | 0.10393716681196742 | 0.02439841290489735 | 0.011523138036849756 | 0.04663451666837636 | 0.011481908536965334 | 0 | 0 | #DIV/0! | 0.039909278610183944 Bâtiments et Travaux Publics ( 600 ) | 0.06559842701752278 | 0.0729477973618474 | 0.07885527870214792 | 0.0791908564090868 | 0.044989945963077295 | 0.05150918572129427 | 0 | 0 | #DIV/0! | 0.05969432837800978 Électricité, Gaz et Eau ( 300 à 500 ) | 0.046388917318240325 | 0.0005687474828121004 | 0.03800943698783794 | 0.04512988437504315 | 0.00538041303359271 | 0.011359683243985957 | 0 | 0.24191661533272982 | #DIV/0! | 0.02759737451367586 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0.007019688520105257 | 0.0006402531076460645 | 0.018782745841434478 | 0 | 0 | 0 | #DIV/0! | 0.006998409832071858 Total | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | #DIV/0! | 0.9999999999999999 [Secteur d'activitésept. 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. | 0 Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.1 | 15267.2 | 656218.5 | 0 | 0 | 0 | 671489.8 200 | Industrie alimentaire | 669613 | 1209.3 | 389022.28 | 90684.15 | 1637870.2 | 503318.08 | 16768.49 | 147583.78 | 3456069.28 210 | Industrie des boissons | 14 | 0 | 2991.73 | 775777.93 | 2464556.54 | 237266.08 | 0 | 71400 | 3552006.2800000003 220 | Industrie du bois | 18217 | 0 | 25.64 | 742.23 | 994.35 | 30378.34 | 0 | 0 | 50357.56 230 | Industrie chimique | 0 | 0 | 13946.18 | 299705.35 | 71244.26 | 45351.92 | 0 | 141796.18 | 572043.8899999999 240 | Industrie du textile | 51322 | 0 | 244352.44 | 731575.9 | 9943.26 | 117365.7 | 0 | 0 | 1154559.3 250 | Industrie pharmacie | 0 | 0 | 72686.73 | 517.59 | 17605.32 | 134784.95 | 0 | 0 | 225594.59 260 | Imprimerie, édition | 25590 | 0 | 2775.87 | 131320.68 | 33199.18 | 50305.62 | 0 | 0 | 243191.34999999998 270 | Sidérurgie, aciérie | 317501 | 0 | 116925.03 | 373105.58 | 0 | 363529.79 | 0 | 0 | 1171061.4000000001 280 | Industrie de la fabrication | 52833 | 3200.07 | 361798.65 | 1200274.99 | 611897.34 | 184895.04 | 0 | 1.11 | 2414900.1999999997 290 | Autres industries | 0 | 0 | 24745.01 | 4448.89 | 235395.55 | 109209.78 | 0 | 154217.4 | 528016.63 300 | Production et distribution de l'électricité | 747044 | 0 | 68965 | 1342068.25 | 125380 | 3408.81 | 0 | 0 | 2286866.06 400 | Production et distribution de gaz | 0 | 456.82 | 2.93 | 5843.82 | 197.81 | 93411.72 | 0 | 0 | 99913.1 500 | Traitement et distribution de l'eau | 0 | 1893.87 | 312811.71 | 25121.12 | 51194.1 | 0 | 0 | 0 | 391020.8 600 | Entrep/ batiment et corps/ métiers corresp. | 991857 | 95544.22 | 622909.05 | 2177656.19 | 1335695.94 | 418275.05 | 0 | 0 | 5641937.45 700 | Commerce de gros(1) | 1252939 | 274002.05 | 1418628.14 | 4469159.84 | 4458634.31 | 1641378.41 | 0 | 132600 | 13647341.75 800 | Commerce de détail(2) | 113385 | 406375.8 | 613725.45 | 3741952.21 | 6290060.43 | 720882.22 | 93.11 | 33852.6 | 11920326.82 900 | Rest/débits/boissons, casinos/activités/loterie | 96077 | 1013.91 | 12286.63 | 1706.28 | 22265.82 | 29342.14 | 0 | 0 | 162691.78000000003 1000 | Hotels,motels et pensions | 901199 | 0 | 4112.18 | 1590510.53 | 26513.58 | 340954.28 | 118631.94 | 0 | 2981921.5100000002 1100 | Transport | 1583514 | 140227.64 | 126298.15 | 217554.29 | 864912.9 | 67489 | 0 | 0 | 2999995.98 1200 | Immobilier résidentiel / Avance Hypothécaire | 1708159 | 292817.95 | 1288768.4 | 245336.48 | 2571857.71 | 294918.04 | 2915350.4 | 0 | 9317207.979999999 1300 | Immobilier commercial | 1918481 | 25980.43 | 1169509.16 | 2815214.41 | 4074065.82 | 132290.9 | 957670.74 | 0 | 11093212.46 1400 | Télécommunications | 85375 | 0 | 19162.88 | 109098 | 147324.95 | 30603.88 | 0 | 0 | 391564.71 1500 | Services financiers | 157052 | 0 | 268773.08 | 1687293.83 | 3730110.94 | 1493343.68 | 0 | 128706.57 | 7465280.1 1510 | Services professionnels | 746533 | 26328.82 | 85110.33 | 109954.64 | 222195.89 | 162420.57 | 0 | 0 | 1352543.25 1520 | Services médicaux | 562 | 397.52 | 2268.01 | 3663.67 | 16572.78 | 48309 | 0 | 0 | 71772.98 1530 | Services d'agence ou de représentation | 1742 | 941.22 | 11760.56 | 12334.25 | 27475.5 | 9867.95 | 0 | 0 | 64121.479999999996 1540 | Services d'enseignement | 24811 | 0 | 16313.58 | 156343.37 | 9691.07 | 27585.99 | 0 | 0 | 234745.01 1550 | Autres services | 35275 | 10498.45 | 21504.73 | 669186.53 | 319218.96 | 367621.9 | 0 | 0 | 1423305.5699999998 1560 | Crédit à la consommation | 2889189 | 49689.64 | 1282488.35 | 3413188.36 | 1726360.63 | 245032.82 | 120737.98 | 2079.31 | 9728766.090000002 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprise d'Élevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 14388284 | 1330577.7099999997 | 8574671.979999999 | 26416606.560000006 | 31758653.639999997 | 7903541.660000001 | 4129252.6599999997 | 812236.95 | 95313825.16 (1) Commerce de gros Import-export | 33547 | 48467.25 | 646849.78 | 960684.54 | 1866081.11 | 108136 | 0 | 0 | 3663765.68 Produits pétroliers | 0 | 0 | 80488.62 | 74623.57 | 21063.62 | 95992 | 0 | 0 | 272167.81 Produits pharmaceutiques | 0 | 0 | 14207.32 | 126756.56 | 106678.27 | 14926 | 0 | 0 | 262568.15 Produits alimentaires | 382121 | 13293.6 | 532945.56 | 1941057.5 | 1156711.21 | 614650 | 0 | 132600 | 4773378.87 Matériaux de construction | 0 | 104104.2 | 29465.09 | 371155.82 | 626894.44 | 697653 | 0 | 0 | 1829272.5499999998 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 837270 | 108136.99 | 114671.76 | 994881.84 | 681205.65 | 110021 | 0 | 0 | 2846187.2399999998 S-Total | 1252938 | 274002.04 | 1418628.1300000001 | 4469159.83 | 4458634.3 | 1641378 | - | 132600 | 13647340.300000003 (2) Commerce de détail Produits pétroliers | 19893 | 5361.76 | 2210.09 | 60790.06 | 124025.57 | 1081 | 0 | 0 | 213361.48 Produits pharmaceutiques | 9329 | 0 | 954.99 | 15980.58 | 2902.05 | 26309 | 0 | 0 | 55475.619999999995 Véhicules automobiles | 15408 | 0 | 92985.8 | 1126906.92 | 3809917.59 | 241294 | 0 | 0 | 5286512.31 Produits alimentaires | 2298 | 0 | 283293.83 | 540529.04 | 670830.56 | 102056 | 0 | 0 | 1599007.4300000002 Librairie ,papeterie | 1077 | 0 | 0 | 26802.12 | 22377.04 | 3 | 0 | 0 | 50259.16 Appareils électro- ménagers électroni.équip. inform. | 25378 | 0 | 37048.65 | 213057.23 | 251921.09 | 255725 | 0 | 33852.6 | 816982.57 Matériaux de construction | 0 | 0 | 0 | 161378.9 | 548251.68 | 108 | 0 | 0 | 709738.5800000001 Autres | 40003 | 396939.18 | 197232.09 | 1596507.36 | 859834.85 | 94306 | 93.11 | 0 | 3184915.59 S-Total | 113386 | 402300.94 | 613725.4500000001 | 3741952.21 | 6290060.429999999 | 720882 | 93.11 | 33852.6 | 11916252.74 [Secteur d'activité sept. 17 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.781524015802643e-07 | 0.0005779394853507632 | 0.02066266748705913 | 0 | 0 | 0 | 0.007045040935801218 200 | Industrie alimentaire | 0.046538767235898316 | 0.0009088533431091373 | 0.04536876523176343 | 0.003432846296666803 | 0.051572406644376886 | 0.06368259973213071 | 0.004060901906641867 | 0.18170040158847736 | 0.036259894870428466 210 | Industrie des boissons | 9.730138771239155e-07 | 0 | 0.0003489031425316401 | 0.02936705470621204 | 0.07760267698804124 | 0.030020222604861927 | 0 | 0.0879053827826966 | 0.03726643300735619 220 | Industrie du bois | 0.0012660995571118834 | 0 | 2.9902018479312143e-06 | 2.8097098630521446e-05 | 3.1309576636070525e-05 | 0.003843636347707946 | 0 | 0 | 0.0005283342675154052 230 | Industrie chimique | 0 | 0 | 0.0016264388926513784 | 0.011345338748157512 | 0.0022433022762107244 | 0.005738176877023002 | 0 | 0.17457489467820936 | 0.0060016885172715475 240 | Industrie du textile | 0.003566929871553828 | 0 | 0.028497001467804258 | 0.02769378793367621 | 0.0003130882093652885 | 0.014849760404755047 | 0 | 0 | 0.012113240634943373 250 | Industrie pharmaceutique | 0 | 0 | 0.00847691085671128 | 1.959335688421594e-05 | 0.0005543471772942577 | 0.017053740689715047 | 0 | 0 | 0.002366861151793061 260 | Imprimerie, édition | 0.0017785303654000713 | 0 | 0.000323729001701124 | 0.004971141153264008 | 0.001045358546251018 | 0.006364946521962155 | 0 | 0 | 0.0025514803292362165 270 | Sidérurgie, aciérie | 0.022066634214337164 | 0 | 0.013636093633986454 | 0.014123902672834445 | 0 | 0.04599580866889489 | 0 | 0 | 0.012286375014686277 280 | Industrie de la fabrication | 0.003671945869291988 | 0.002405023003128469 | 0.04219387643560915 | 0.04543638060679054 | 0.01926710580795263 | 0.023393947669784282 | 0 | 1.3665962869578884e-06 | 0.025336305577351354 290 | Autres industries | 0 | 0 | 0.002885825843567721 | 0.0001684126229421346 | 0.0074120128853170115 | 0.013817828095056816 | 0 | 0.18986750110297249 | 0.005539769588657646 300 | Production et distribution de l'électricité | 0.051920298487297026 | 0 | 0.008042873262190959 | 0.05080396102170663 | 0.003947900355639888 | 0.0004313015792972994 | 0 | 0 | 0.02399301524370801 400 | Production et distribution de gaz | 0 | 0.00034332455486572075 | 3.4170403332443285e-07 | 0.0002212176642267408 | 6.228538597456741e-06 | 0.011818969775633471 | 0 | 0 | 0.0010482540159549715 500 | Traitement et distribution de l'eau | 0 | 0.0014233441502638732 | 0.03648089521437298 | 0.0009509593877223567 | 0.0016119732461051522 | 0 | 0 | 0 | 0.00410245627372112 600 | Entrep/ batiment et corps/ métiers corresp. | 0.06893504465160682 | 0.07180656889254519 | 0.07264523371306854 | 0.08243512220443197 | 0.04205770040319631 | 0.052922483108667505 | 0 | 0 | 0.05919327485313989 700 | Commerce de gros(1) | 0.08708050244212583 | 0.20592713070475233 | 0.1654440127049618 | 0.16917993724323382 | 0.14039116269035892 | 0.20767631532924694 | 0 | 0.16325285373929369 | 0.1431832341959908 800 | Commerce de détail(2) | 0.007880369889835368 | 0.3054130525003309 | 0.07157421898254353 | 0.141651510064357 | 0.198058157669432 | 0.09121002343144477 | 2.2548874497788665e-05 | 0.04167823194943298 | 0.12506398520875395 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006677446733745316 | 0.0007620073539335031 | 0.0014328979614214934 | 6.459118797581091e-05 | 0.0007010945820434976 | 0.0037125305669610397 | 0 | 0 | 0.0017069064191568748 1000 | Hotels,motels et pensions | 0.06263422378929968 | 0 | 0.0004795728640805687 | 0.06020873749955262 | 0.0008348458439247616 | 0.043139429722446734 | 0.028729639420998765 | 0 | 0.0312852989059494 1100 | Transport | 0.11005579261571428 | 0.10538853833647946 | 0.014729210667718162 | 0.008235512366278735 | 0.027233928421658372 | 0.008539083224114997 | 0 | 0 | 0.03147493005305381 1200 | Immobilier résidentiel | 0.11871874366672218 | 0.22006828146850593 | 0.15029944037579385 | 0.009287206494247002 | 0.08098132052930442 | 0.03731466887719295 | 0.7060237384456877 | 0 | 0.0977529541423768 1300 | Immobilier commercial | 0.13333633114275475 | 0.019525676557440606 | 0.13639112524978478 | 0.10656987314422112 | 0.1282820697055217 | 0.01673817962768858 | 0.231923502593324 | 0 | 0.11638618470487583 1400 | Télécommunications | 0.005933647125675306 | 0 | 0.002234823681266931 | 0.004129902141374815 | 0.004638891549685984 | 0.003872172921525411 | 0 | 0 | 0.0041081627911029065 1500 | Services financiers | 0.010915269673576084 | 0 | 0.031344998459054765 | 0.0638724669713974 | 0.11745179698996838 | 0.18894613886301698 | 0 | 0.15845938799016718 | 0.07832316127768763 1510 | Services professionnels | 0.051884783480782 | 0.01978751019359854 | 0.009925782607021665 | 0.004162330227777749 | 0.00699638884313863 | 0.02055035286547727 | 0 | 0 | 0.014190420410990041 1520 | Services médicaux | 3.9059557067402894e-05 | 0.00029875744724447553 | 0.0002645010800751355 | 0.00013868813890530228 | 0.000521835093762495 | 0.00611232306707421 | 0 | 0 | 0.0007530175174432166 1530 | Services d'agence ou de représentation | 0.00012107072671070435 | 0.0007073769483181859 | 0.0013715463433972667 | 0.0004669127343054163 | 0.0008651342815551422 | 0.0012485478567085834 | 0 | 0 | 0.0006727406007718345 1540 | Services d'enseignement | 0.0017243890932372478 | 0 | 0.0019025310866760414 | 0.005918374475725998 | 0.00030514738155631717 | 0.003490332712436161 | 0 | 0 | 0.0024628642235891987 1550 | Autres services | 0.0024516474653961517 | 0.007890144199093794 | 0.00250793616947199 | 0.02533203984698328 | 0.010051400906930892 | 0.04651356516035622 | 0 | 0 | 0.014932834429955428 1560 | Crédit à la consommation | 0.20080149933098346 | 0.03734441034639007 | 0.1495670450124904 | 0.1292061625041668 | 0.05435874736911549 | 0.031002913698818912 | 0.029239668758849938 | 0.0025599795724634295 | 0.1020708808367376 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Élevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1.0000000000000004 | 1.0000000000000004 | 0.9999999999999998 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.002331549752562571 | 0.03642571917126134 | 0.07543726238260139 | 0.03636668993869437 | 0.058758193314897726 | 0.013681967483929221 | 0 | 0 | 0.03843897434448533 Produits pétroliers | 0 | 0 | 0.009386787061678364 | 0.0028248734306773123 | 0.0006632403325017024 | 0.012145441136322167 | 0 | 0 | 0.0028554914205061164 Produits pharmaceutiques | 0 | 0 | 0.0016568937019559322 | 0.004798366501469369 | 0.003359029989408582 | 0.0018885204433780384 | 0 | 0 | 0.002754775076535183 Produits alimentaires | 0.026557788267176266 | 0.009990848260940733 | 0.06215346327452168 | 0.0734786845385034 | 0.036421922135361655 | 0.07776893276981853 | 0 | 0.16325285373929369 | 0.05008065579140377 Matériaux de construction | 0 | 0.07823984966650314 | 0.003436293547872837 | 0.014050094555369716 | 0.019739326707805614 | 0.08827093346402376 | 0 | 0 | 0.019192100903822333 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.05819109492139577 | 0.08127070609051465 | 0.013373311570106267 | 0.037661227899969896 | 0.02144944989550886 | 0.013920468156297413 | 0 | 0 | 0.029861221446334827 S-Total | 0.0870804329411346 | 0.20592712318921985 | 0.16544401153873647 | 0.16917993686468405 | 0.14039116237548416 | 0.20767626345376913 | - | 0.16325285373929369 | 0.14318321898308756 (2) Commerce de détail Produits pétroliers | 0.0013825832184018608 | 0.004029648144338749 | 0.000257746302733787 | 0.0023012062454701595 | 0.0039052527668802027 | 0.00013677412563926433 | 0 | 0 | 0.0022385155526161867 Produits pharmaceutiques | 0.0006483747471206434 | 0 | 0.00011137335658174065 | 0.0006049444679316902 | 9.137824395505453e-05 | 0.0033287608431483862 | 0 | 0 | 0.0005820311996384051 Véhicules automobiles | 0.0010708712727660922 | 0 | 0.010844239898259061 | 0.04265903409813284 | 0.11996470735778962 | 0.03052985742090717 | 0 | 0 | 0.05546427604941587 Produits alimentaires | 0.00015971327783076842 | 0 | 0.033038445162773454 | 0.020461713686513713 | 0.021122764447265154 | 0.01291269210568063 | 0 | 0 | 0.016776238151346903 Librairie ,papeterie | 7.485256754731835e-05 | 0 | 0 | 0.0010145936019119025 | 0.0007045966196695486 | 3.7957666689897596e-07 | 0 | 0 | 0.0005273018884262771 Appareils électro- ménagers électroni.équip. inform. | 0.0017637961552607662 | 0 | 0.004320707554343089 | 0.008065276269156048 | 0.00793236051048164 | 0.032355747714246874 | 0 | 0.04167823194943298 | 0.008571501234249698 Matériaux de construction | 0 | 0 | 0 | 0.006108994341625988 | 0.017263064304132766 | 1.3664760008363135e-05 | 0 | 0 | 0.0074463340319055145 Autres | 0.0027802481518991425 | 0.29832093008682675 | 0.023001706707852402 | 0.06043574735361466 | 0.02707403341925801 | 0.011932119049524943 | 2.2548874497788665e-05 | 0 | 0.03341504324953482 S-Total | 0.007880439390826593 | 0.3023505782311655 | 0.07157421898254353 | 0.141651510064357 | 0.198058157669432 | 0.09120999559582253 | 2.2548874497788665e-05 | 0.04167823194943298 | 0.12502124135713366 [Secteur d'activité sept. 17glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1366324 | 680377.85 | 2032353.5899999999 | 8211112.05 | 10748694.739999998 | 2362260.63 | 93.11 | 166452.6 | 25567668.569999997 Services et Autres ( 1500 à 1550 ; 1570 à 1600 ; 900 ; 1000 ) | 1963251 | 39179.920000000006 | 422129.10000000003 | 4230993.1 | 4374044.54 | 2479445.51 | 118631.94 | 128706.57 | 13756381.68 Industries Manufacturières ( 200 à 290 ) | 1135090 | 4409.37 | 1229269.56 | 3608153.2900000005 | 5082705.999999999 | 1776405.3000000003 | 16768.49 | 514998.47 | 13367800.48 Prêts aux Particuliers ( 1560 ) | 2889189 | 49689.64 | 1282488.35 | 3413188.36 | 1726360.63 | 245032.82 | 120737.98 | 2079.31 | 9728766.090000002 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3626640 | 318798.38 | 2458277.5599999996 | 3060550.89 | 6645923.529999999 | 427208.93999999994 | 3873021.1399999997 | 0 | 20410420.439999998 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1668889 | 140227.64 | 145461.03 | 326652.29000000004 | 1012237.8500000001 | 98092.88 | 0 | 0 | 3391560.69 Bâtiments et Travaux Publics ( 600 ) | 991857 | 95544.22 | 622909.05 | 2177656.19 | 1335695.94 | 418275.05 | 0 | 0 | 5641937.45 Électricité, Gaz et Eau ( 300 à 500 ) | 747044 | 2350.69 | 381779.64 | 1373033.1900000002 | 176771.91 | 96820.53 | 0 | 0 | 2777799.9600000004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.1 | 15267.2 | 656218.5 | 0 | 0 | 0 | 671489.8 Total | 14388284 | 1330577.7100000002 | 8574671.979999999 | 26416606.560000002 | 31758653.64 | 7903541.659999999 | 4129252.6599999997 | 812236.9500000001 | 95313825.16 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.0949608723319612 | 0.511340183205083 | 0.23701823168750535 | 0.3108314473075909 | 0.33844932035979086 | 0.29888633876069176 | 2.2548874497788665e-05 | 0.20493108568872667 | 0.2682472194047447 Services et Autres ( 1500 à 1550 ; 1570 à 1600 ; 900 ; 1000 ) | 0.1364478905198146 | 0.029445796142188493 | 0.04922976657119892 | 0.16016414108262356 | 0.1377276439228801 | 0.3137132208144772 | 0.028729639420998765 | 0.15845938799016715 | 0.14432724378554362 Industries Manufacturières ( 200 à 290 ) | 0.07888988012747038 | 0.003313876346237605 | 0.14336053470817436 | 0.13658655519605847 | 0.16004160811144508 | 0.22476066761189192 | 0.004060901906641867 | 0.6340495467486427 | 0.14025038295923953 Prêts aux Particuliers ( 1560 ) | 0.20080149933098346 | 0.03734441034639006 | 0.1495670450124904 | 0.12920616250416683 | 0.05435874736911548 | 0.03100291369881892 | 0.029239668758849938 | 0.002559979572463429 | 0.1020708808367376 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.2520550748094769 | 0.23959395802594646 | 0.2866905656255786 | 0.11585707963846814 | 0.20926339023482607 | 0.05405284850488154 | 0.9379472410390116 | 0 | 0.2141391388472526 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11598943974138959 | 0.10538853833647942 | 0.016964034348985094 | 0.012365414507653553 | 0.031872819971344356 | 0.01241125614564041 | 0 | 0 | 0.035583092844156713 Bâtiments et Travaux Publics ( 600 ) | 0.06893504465160682 | 0.07180656889254516 | 0.07264523371306854 | 0.08243512220443198 | 0.042057700403196306 | 0.05292248310866752 | 0 | 0 | 0.05919327485313989 Électricité, Gaz et Eau ( 300 à 500 ) | 0.051920298487297026 | 0.0017666687051295935 | 0.04452411018059726 | 0.05197613807365574 | 0.005566102140342496 | 0.012250271354930772 | 0 | 0 | 0.029143725533384107 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.781524015802643e-07 | 0.0005779394853507633 | 0.02066266748705913 | 0 | 0 | 0 | 0.007045040935801218 Total | 1.0000000000000002 | 0.9999999999999998 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 | 1 [Secteur d'activité juin 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2017 | AU30 JUIN 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 33.00083 | 3407.688 | 724989.1 | 0 | 0 | 0 | 0 | 728429.78883 200 | Industrie alimentaire | 609570 | 9972.45242 | 371053.16452 | 48864.158 | 1724057.33 | 523157.321 | 43416.32 | 135436.28663 | 0 | 3465527.03257 210 | Industrie des boissons | 1307 | 0 | 3027.3905600000003 | 849453.487 | 2600850.86 | 203609.831 | 0 | 71400 | 0 | 3729648.5685599996 220 | Industrie du bois | 27907 | 0 | 0 | 817.606 | 0 | 31393.975 | 0 | 0 | 0 | 60118.581 230 | Industrie chimique | 0 | 0 | 14168.43999 | 404534.91 | 91629.49 | 62229.462 | 0 | 130125.0597 | 0 | 702687.3616899999 240 | Industrie du textile | 59082 | 0 | 250866.77469999998 | 696720.091 | 9880.72 | 61351.985 | 0 | 0 | 0 | 1077901.5707 250 | Industrie pharmacie | 0 | 0 | 59866.315729999995 | 708.214 | 22889.06 | 165573.769 | 0 | 0 | 0 | 249037.35872999998 260 | Imprimerie, édition | 99127 | 0 | 6327.462219999999 | 141081.008 | 108963.26 | 82874.736 | 0 | 0 | 0 | 438373.46622000006 270 | Sidérurgie, aciérie | 317516 | 0 | 129658.77097 | 386674.73 | 81786.02 | 282135.054 | 0 | 0 | 0 | 1197770.57497 280 | Industrie de la fabrication | 54661 | 3160.19415 | 275856.32536 | 1226333.304 | 730077.65 | 121965.937 | 0 | 0 | 0 | 2412054.41051 290 | Autres industries | 0 | 0 | 18155.116710000002 | 4660.112 | 120219.35 | 86933.632 | 0 | 0 | 0 | 229968.21071 300 | Production et distribution de l'électricité | 364177 | 0 | 223889.13402 | 1487434.441 | 124703.2 | 3823.731 | 0 | 173337.448 | 0 | 2377364.95402 400 | Production et distribution de gaz | 0 | 900.74772 | 0 | 4816.642 | 240.09 | 96366.808 | 0 | 0 | 0 | 102324.28772000001 500 | Traitement et distribution de l'eau | 0 | 2379.72675 | 308654.47486 | 22457.285 | 39184.68 | 10.434 | 0 | 0 | 0 | 372686.60060999996 600 | Entrep/ batiment et corps/ métiers corresp. | 1012458 | 100290.20122999999 | 669821.15472 | 1796279.962 | 1142739.8 | 335208.827 | 0 | 0 | 0 | 5056797.944949999 700 | Commerce de gros(1) | 987894 | 266702.50534000003 | 1494230.10228 | 4226547.857 | 3696800.26 | 1285858.518 | 0 | 132600 | 0 | 12090633.242619999 800 | Commerce de détail(2) | 116979 | 406132.4997 | 329560.08626999997 | 4107586.302 | 3986175.3 | 609134.5 | 220.68 | 44893.152 | 0 | 9600681.519970002 900 | Rest/débits/boissons, casinos/activités/loterie | 95929 | 1126.51548 | 14313.146279999999 | 2278.352 | 22559.24 | 32921.555 | 0 | 0 | 0 | 169127.80875999999 1000 | Hotels,motels et pensions | 824739 | 0 | 4176.98035 | 1600853.994 | 30806.5 | 341924.623 | 309105.4 | 0 | 0 | 3111606.49735 1100 | Transport | 1577751 | 143148.1405 | 139417.12642 | 275079.046 | 911747.53 | 69870.234 | 0 | 0 | 0 | 3117013.07692 1200 | Immobilier résidentiel / Avance Hypothécaire | 1593406 | 298031.35456999997 | 1214025.8549000002 | 229209.937 | 2691718.91 | 337077.682 | 2667528.76 | 0 | 0 | 9030998.49847 1300 | Immobilier commercial | 1957568 | 26547.4025 | 920305.7325299999 | 1477381.976 | 4065714.14 | 144639.911 | 956784.02 | 0 | 0 | 9548941.18203 1400 | Télécommunications | 98110 | 0 | 19090.70193 | 123031.754 | 167269.05 | 32574.53 | 0 | 0 | 0 | 440076.03593 1500 | Services financiers | 82268 | 0 | 113665.87138 | 1637522.969 | 3562884.73 | 1558213.491 | 0 | 118623.69665000001 | 0 | 7073178.758030001 1510 | Services professionnels | 773411 | 26514.18563 | 70716.96675 | 111139.543 | 248781.66 | 146381.1 | 0 | 0 | 0 | 1376944.45538 1520 | Services médicaux | 0 | 500.01556 | 4511.57466 | 1788.5 | 14886.98 | 45770.503 | 0 | 0 | 0 | 67457.57321999999 1530 | Services d'agence ou de représentation | 896 | 941.2188100000001 | 8.02929 | 11909.261 | 25005.99 | 1450.141 | 0 | 0 | 0 | 40210.640100000004 1540 | Services d'enseignement | 23517 | 0 | 15569.11289 | 129217.094 | 12500.25 | 17408.36 | 0 | 0 | 0 | 198211.81689000002 1550 | Autres services | 339871 | 10341.215380000001 | 19119.24896 | 1885328.328 | 325091.95 | 381844.191 | 0 | 0 | 0 | 2961595.9333400005 1560 | Crédit à la consommation | 2957133 | 62276.44992 | 1175159.4515999998 | 2033751.011 | 1833236.36 | 189121.917 | 89433.7 | 3208.9697 | 0 | 8343320.859220001 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 13975277 | 1358964.8256599999 | 7865247.5116799995 | 24926869.562000006 | 29117389.459999997 | 7250826.757999999 | 4066488.88 | 809624.61268 | 0 | 89370688.61002 (1) Commerce de gros Import-export | 49739 | 36742.859079999995 | 731204.49127 | 829095.211 | 1499586.78 | 128551 | 0 | 0 | 0 | 3274919.3413500004 Produits pétroliers | 0 | 0 | 82156.21687 | 0 | 6225.5 | 83036 | 0 | 0 | 0 | 171417.71687 Produits pharmaceutiques | 0 | 0 | 11928.65419 | 0 | 112608.9 | 15850 | 0 | 0 | 0 | 140387.55419 Produits alimentaires | 759826 | 13664.00651 | 520685.40427999996 | 1935565.17 | 945829.52 | 505682 | 0 | 132600 | 0 | 4813852.10079 Matériaux de construction | 0 | 103596.16662999999 | 35617.69318 | 0 | 673613.14 | 440618 | 0 | 0 | 0 | 1253444.99981 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 178329 | 112699.47312000001 | 112637.64249 | 1461887.477 | 458936.43 | 112121 | 0 | 0 | 0 | 2436611.02261 S-Total | 987894 | 266702.50534000003 | 1494230.10228 | 4226547.858 | 3696800.2700000005 | 1285858 | - | 132600 | 0 | 12090632.735619998 (2) Commerce de détail Produits pétroliers | 21023 | 5456.08876 | 2346.23014 | 135878.049 | 132821.41 | 16887 | 0 | 0 | 314411.7779 Produits pharmaceutiques | 10132 | 0 | 1378.041 | 2918.275 | 2608.75 | 22571 | 0 | 0 | 0 | 39608.066 Véhicules automobiles | 16750 | 0 | 121821.91031 | 1136821.984 | 1772200 | 173620 | 0 | 0 | 0 | 3221213.89431 Produits alimentaires | 2629 | 0 | 64379.304509999994 | 896311.734 | 544816.54 | 96606 | 0 | 0 | 0 | 1604742.5785100001 Librairie ,papeterie | 1083 | 0 | 0 | 34696.289 | 25067.93 | 12906 | 0 | 0 | 0 | 73753.219 Appareils électro- ménagers électroni.équip. inform. | 25799 | 0 | 36362.946200000006 | 543477.312 | 276184.12 | 197742 | 0 | 44893.152 | 0 | 1124458.5302000002 Matériaux de construction | 0 | 0 | 7904.55363 | 166653.601 | 509612.29 | 363 | 0 | 0 | 0 | 684533.44463 Autres | 39564 | 400676.41094 | 95367.10048000001 | 1190829.058 | 722864.25 | 88439 | 220.68 | 0 | 0 | 2537960.4994200002 S-Total | 116980 | 406132.4997 | 329560.08627 | 4107586.301999999 | 3986175.2900000005 | 609134 | 220.68 | 44893.152 | 0 | 9600682.00997 [Secteur d'activité juin 17 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.195777685443887e-06 | 0.00013670741893698842 | 0.024898835831280598 | 0 | 0 | 0 | #DIV/0! | 0.008150656553723034 200 | Industrie alimentaire | 0.043617740099176565 | 0.007338271183845205 | 0.04717628580270119 | 0.001960300625734866 | 0.05921057354294839 | 0.07215140265526118 | 0.010676611022725827 | 0.16728281787491864 | #DIV/0! | 0.038776998213499884 210 | Industrie des boissons | 9.352229655269087e-05 | 0 | 0.0003849072207205538 | 0.03407782452935675 | 0.08932294097219524 | 0.0280809123973832 | 0 | 0.08818901856707818 | #DIV/0! | 0.041732346774620704 220 | Industrie du bois | 0.0019968834964773866 | 0 | 0 | 3.280018768367155e-05 | 0 | 0.004329709707291286 | 0 | 0 | #DIV/0! | 0.0006726879017608875 230 | Industrie chimique | 0 | 0 | 0.0018013978541628441 | 0.016228869373019743 | 0.0031468992138143424 | 0.008582395370478385 | 0 | 0.16072270736590274 | #DIV/0! | 0.007862615502004944 240 | Industrie du textile | 0.004227608511802664 | 0 | 0.03189559824118178 | 0.027950565122791083 | 0.00033934086067618233 | 0.008461377860436258 | 0 | 0 | #DIV/0! | 0.012061018970140829 250 | Industrie pharmacie | 0 | 0 | 0.007611498003222111 | 2.841167031578018e-05 | 0.0007860958837482267 | 0.022835157220839508 | 0 | 0 | #DIV/0! | 0.0027865664078824005 260 | Imprimerie, édition | 0.007093025776877267 | 0 | 0.000804483547479419 | 0.0056597964557519986 | 0.003742205672307548 | 0.011429694677032858 | 0 | 0 | #DIV/0! | 0.004905114563152765 270 | Sidérurgie, aciérie | 0.022719835893056 | 0 | 0.016485021072439866 | 0.015512366245518041 | 0.0028088376573852376 | 0.03891074265272082 | 0 | 0 | #DIV/0! | 0.01340227532761462 280 | Industrie de la fabrication | 0.003911264155980593 | 0.00232544219712619 | 0.035072809209163426 | 0.04919724480243179 | 0.02507359566017908 | 0.016820969672931747 | 0 | 0 | #DIV/0! | 0.026989323323168026 290 | Autres industries | 0 | 0 | 0.0023082702334592023 | 0.00018695135337427811 | 0.004128781880159665 | 0.011989478565886873 | 0 | 0 | #DIV/0! | 0.0025731950182625828 300 | Production et distribution de l'électricité | 0.026058660590412626 | 0 | 0.028465618365794795 | 0.05967193101806627 | 0.0042827740505827615 | 0.0005273510356293083 | 0 | 0.21409607030871075 | #DIV/0! | 0.026601170820042853 400 | Production et distribution de gaz | 0 | 0.000662819009728629 | 0 | 0.00019323092247984375 | 8.245588098817154e-06 | 0.013290457932080137 | 0 | 0 | #DIV/0! | 0.0011449423665795464 500 | Traitement et distribution de l'eau | 0 | 0.0017511319682937732 | 0.03924281777549199 | 0.000900926806879722 | 0.0013457483904534071 | 1.4390083156362733e-06 | 0 | 0 | #DIV/0! | 0.004170121170669993 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07244636367493824 | 0.07379896766738807 | 0.08516212029250274 | 0.07206199549173858 | 0.039245956495167204 | 0.04623042836186323 | 0 | 0 | #DIV/0! | 0.05658228691753691 700 | Commerce de gros(1) | 0.07068868831723335 | 0.19625416368703458 | 0.18997877689939802 | 0.16955790804326265 | 0.1269619402205846 | 0.17733957256409189 | 0 | 0.16377960591028803 | #DIV/0! | 0.13528633862696265 800 | Commerce de détail(2) | 0.008370424428796652 | 0.2988543132474059 | 0.04190079025238542 | 0.164785485469136 | 0.13690016082918446 | 0.08400897171180215 | 5.4267946258345606e-05 | 0.05544934195045746 | #DIV/0! | 0.10742539493976327 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006864193103292336 | 0.0008289511683666223 | 0.0018197960405880148 | 9.140144912032012e-05 | 0.0007747686320228244 | 0.004540386372309462 | 0 | 0 | #DIV/0! | 0.0018924304085650497 1000 | Hotels,motels et pensions | 0.059014143333259154 | 0 | 0.0005310678835977033 | 0.06422202314728025 | 0.0010580103701370762 | 0.04715663943049624 | 0.0760128477223329 | 0 | #DIV/0! | 0.0348168571345341 1100 | Transport | 0.11289586603542813 | 0.10533616308316013 | 0.017725713807857115 | 0.011035442910944049 | 0.03131281845347135 | 0.009636174788331635 | 0 | 0 | #DIV/0! | 0.034877353250812135 1200 | Immobilier résidentiel | 0.11401605850102291 | 0.21930762955932798 | 0.15435316601253238 | 0.009195295720142138 | 0.09244368949001242 | 0.046488172073356274 | 0.6559783731659927 | 0 | #DIV/0! | 0.10105101167876053 1300 | Immobilier commercial | 0.14007364576745063 | 0.01953501812462798 | 0.11700912541701115 | 0.05926865274138588 | 0.13963182192501403 | 0.019948057763263416 | 0.23528504521571444 | 0 | #DIV/0! | 0.10684645413999191 1400 | Télécommunications | 0.007020254410699695 | 0 | 0.0024272220170630417 | 0.004935708180041865 | 0.005744644458246705 | 0.004492526312818023 | 0 | 0 | #DIV/0! | 0.004924165213164307 1500 | Services financiers | 0.005886681172759581 | 0 | 0.014451658541095449 | 0.065693085324133 | 0.12236278032048552 | 0.21490149234096487 | 0 | 0.14651691017314147 | #DIV/0! | 0.07914427949520102 1510 | Services professionnels | 0.05534137176672777 | 0.019510575350707125 | 0.008991066923829715 | 0.004458624165524085 | 0.008544092194177082 | 0.020188194379143657 | 0 | 0 | #DIV/0! | 0.015407114757596494 1520 | Services médicaux | 0 | 0.0003679385592317745 | 0.0005736087330119301 | 7.174988401778678e-05 | 0.0005112745433601107 | 0.006312452983309852 | 0 | 0 | #DIV/0! | 0.0007548064613707903 1530 | Services d'agence ou de représentation | 6.411321936588448e-05 | 0.0006925998320397176 | 1.0208566212412762e-06 | 0.0004777680153690531 | 0.0008587991734063925 | 0.00019999664154160448 | 0 | 0 | #DIV/0! | 0.00044993096422770205 1540 | Services d'enseignement | 0.0016827573435574837 | 0 | 0.0019794816204931447 | 0.005183847641943222 | 0.00042930531314190146 | 0.0024008793177678627 | 0 | 0 | #DIV/0! | 0.0022178615827267672 1550 | Autres services | 0.024319446405248354 | 0.007609626963654228 | 0.002430851531577062 | 0.07563438013388195 | 0.011164872814116628 | 0.0526621589156992 | 0 | 0 | #DIV/0! | 0.03313833628678066 1560 | Crédit à la consommation | 0.211597451699884 | 0.04582638839806217 | 0.1494116300669333 | 0.08158870514973811 | 0.0629601895636423 | 0.026082807286953523 | 0.021992854926975725 | 0.00396352784950268 | #DIV/0! | 0.09335634522888268 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Total | 0.9999999999999998 | 1 | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.003559070779062197 | 0.02703738786039243 | 0.0929664947204969 | 0.033261104405341045 | 0.05150141574539355 | 0.017729150659704675 | 0 | 0 | #DIV/0! | 0.03664422186160514 Produits pétroliers | 0 | 0 | 0.010445471264317736 | 0 | 0.00021380694201835225 | 0.011451935451137972 | 0 | 0 | #DIV/0! | 0.001918052994063885 Produits pharmaceutiques | 0 | 0 | 0.0015166279474721914 | 0 | 0.0038674105779536463 | 0.0021859576195931507 | 0 | 0 | #DIV/0! | 0.0015708456136284052 Produits alimentaires | 0.05436929801105195 | 0.010054716834458086 | 0.06620076526603581 | 0.07764974920680333 | 0.03248332139456846 | 0.06974128839060591 | 0 | 0.16377960591028803 | #DIV/0! | 0.053863880604029316 Matériaux de construction | 0 | 0.07623167625378906 | 0.004528489806214902 | 0 | 0.023134393312469713 | 0.06076796684100283 | 0 | 0 | #DIV/0! | 0.014025236006399834 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | #DIV/0! | 0 Autres | 0.012760319527119212 | 0.082930382738395 | 0.01432092789486047 | 0.05864705447123564 | 0.015761592591618273 | 0.01546320216191821 | 0 | 0 | #DIV/0! | 0.02726409587423514 S-Total | 0.07068868831723335 | 0.19625416368703458 | 0.189978776899398 | 0.16955790808338 | 0.126961940564022 | 0.17733950112396274 | - | 0.16377960591028803 | #DIV/0! | 0.13528633295396172 (2) Commerce de détail Produits pétroliers | 0.0015042993423314615 | 0.004014885931539969 | 0.000298303408318151 | 0.00545106751820696 | 0.004561583729285325 | 0.002328975793190507 | 0 | 0 | #DIV/0! | 0.0035180637274931886 Produits pharmaceutiques | 0.0007249945743472562 | 0 | 0.00017520631079360062 | 0.00011707346535197468 | 8.959422696817548e-05 | 0.003112886399484984 | 0 | 0 | #DIV/0! | 0.00044318855114605497 Véhicules automobiles | 0.0011985451164939342 | 0 | 0.01548863022162911 | 0.04560628767171946 | 0.06086397279655029 | 0.023944855641246866 | 0 | 0 | #DIV/0! | 0.03604329276644788 Produits alimentaires | 0.0001881179170903017 | 0 | 0.008185286529685918 | 0.03595765331746232 | 0.018711036604034902 | 0.01332344617024706 | 0 | 0 | #DIV/0! | 0.0179560279043221 Librairie ,papeterie | 7.749399171121975e-05 | 0 | 0 | 0.001391923238243003 | 0.0008609264245490504 | 0.0017799349551084669 | 0 | 0 | #DIV/0! | 0.000825250651495271 Appareils électro- ménagers électroni.équip. inform. | 0.0018460456991299706 | 0 | 0.004623242453082441 | 0.021802870619121343 | 0.009485195105811523 | 0.02727164868224535 | 0 | 0.05544934195045746 | #DIV/0! | 0.012581961129411382 Matériaux de construction | 0 | 0 | 0.0010049974420082307 | 0.006685701170196541 | 0.017501991059331732 | 5.006325652443619e-05 | 0 | 0 | #DIV/0! | 0.007659484952801986 Autres | 0.0028309993426248368 | 0.29483942731586593 | 0.012125123886867968 | 0.04777290846883438 | 0.024825860539216076 | 0.01219709185610086 | 0 | 0 | #DIV/0! | 0.028398130739427367 S-Total | 0.00837049598372898 | 0.2988543132474059 | 0.04190079025238542 | 0.16478548546913596 | 0.13690016048574707 | 0.08400890275414853 | - | 0.05544934195045746 | #DIV/0! | 0.10742540042254523 [Secteur d'activité juin 17 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1104873 | 672835.00504 | 1823790.18855 | 8334134.159 | 7682975.56 | 1894993.018 | 220.68 | 177493.152 | 0 | 21691314.76259 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2140631 | 39423.15086 | 242080.93056 | 5380038.041 | 4242517.300000001 | 2525913.9639999997 | 309105.4 | 118623.69665000001 | 0 | 14998333.483070001 Industries Manufacturières ( 200 à 290 ) | 1169170 | 13132.646569999999 | 1128979.76076 | 3759847.62 | 5490353.739999998 | 1621225.7019999998 | 43416.32 | 336961.34633 | 0 | 13563087.135659998 Prêts aux Particuliers ( 1560 ) | 2957133 | 62276.44992 | 1175159.4515999998 | 2033751.011 | 1833236.36 | 189121.917 | 89433.7 | 3208.9697 | 0 | 8343320.859220001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3550974 | 324578.75707 | 2134331.5874300003 | 1706591.913 | 6757433.050000001 | 481717.593 | 3624312.78 | 0 | 0 | 18579939.6805 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1675861 | 143148.1405 | 158507.82835 | 398110.8 | 1079016.58 | 102444.764 | 0 | 0 | 0 | 3557089.11285 Bâtiments et Travaux Publics ( 600 ) | 1012458 | 100290.20122999999 | 669821.15472 | 1796279.962 | 1142739.8 | 335208.827 | 0 | 0 | 0 | 5056797.944949999 Électricité, Gaz et Eau ( 300 à 500 ) | 364177 | 3280.4744699999997 | 532543.60888 | 1514708.368 | 164127.97 | 100200.973 | 0 | 173337.448 | 0 | 2852375.8423499996 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 33.00083 | 3407.688 | 724989.1 | 0 | 0 | 0 | 0 | 728429.78883 Total | 13975277 | 1358964.82566 | 7865247.51168 | 24926869.562000003 | 29117389.459999997 | 7250826.758 | 4066488.88 | 809624.6126799999 | 0 | 89370688.61002 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.07905911274603 | 0.4951084769344404 | 0.23187956715178343 | 0.33434339351239867 | 0.26386210104976904 | 0.261348544275894 | 5.4267946258345606e-05 | 0.21922894786074554 | #DIV/0! | 0.2427117335667259 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.15317270634421057 | 0.029009691873999464 | 0.030778552130814256 | 0.2158328797612697 | 0.14570390336084754 | 0.34836220038123267 | 0.0760128477223329 | 0.14651691017314147 | #DIV/0! | 0.16782161709100257 Industries Manufacturières ( 200 à 290 ) | 0.08365988022992317 | 0.009663713380971392 | 0.14354027118453036 | 0.15083513036597804 | 0.18855927134341385 | 0.22359184078026206 | 0.010676611022725827 | 0.4161945438078996 | #DIV/0! | 0.15176214200210764 Prêts aux Particuliers ( 1560 ) | 0.211597451699884 | 0.04582638839806216 | 0.14941163006693328 | 0.08158870514973812 | 0.0629601895636423 | 0.026082807286953523 | 0.021992854926975725 | 0.00396352784950268 | #DIV/0! | 0.09335634522888268 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.25408970426847355 | 0.23884264768395594 | 0.27136229142954355 | 0.06846394846152803 | 0.23207551141502647 | 0.06643622983661969 | 0.8912634183817072 | 0 | #DIV/0! | 0.20789746581875246 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.11991612044612783 | 0.1053361630831601 | 0.020152935824920157 | 0.015971151090985916 | 0.037057462911718055 | 0.014128701101149657 | 0 | 0 | #DIV/0! | 0.03980151846397644 Bâtiments et Travaux Publics ( 600 ) | 0.07244636367493824 | 0.07379896766738805 | 0.08516212029250274 | 0.07206199549173858 | 0.039245956495167204 | 0.046230428361863224 | 0 | 0 | #DIV/0! | 0.05658228691753691 Électricité, Gaz et Eau ( 300 à 500 ) | 0.026058660590412626 | 0.0024139509780224016 | 0.06770843614128677 | 0.06076608874742584 | 0.005636768029134986 | 0.01381924797602508 | 0 | 0.2140960703087108 | #DIV/0! | 0.031916234357292385 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.195777685443887e-06 | 0.00013670741893698844 | 0.024898835831280598 | 0 | 0 | 0 | #DIV/0! | 0.008150656553723034 Total | 1.0000000000000002 | 0.9999999999999999 | 0.9999999999999998 | 1 | 1 | 0.9999999999999998 | 1 | 1 | #DIV/0! | 0.9999999999999999 [Secteur d'activité mars 17 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 mars 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 23.25581 | 4066.628 | 714465.13 | 2.199 | 0 | 0 | 0 | 718557.21281 200 | Industrie alimentaire | 523212 | 9972.45242 | 464970.92687 | 55414.358 | 1913902.01 | 386914.111 | 44995.29 | 184954.59248 | 0 | 3584335.7407700005 210 | Industrie des boissons | 1331 | 0 | 3055.86105 | 834659.013 | 2718960.41 | 333050.647 | 0 | 71400 | 0 | 3962456.93105 220 | Industrie du bois | 44017 | 0 | 0 | 1051.747 | 0 | 991.602 | 0 | 0 | 0 | 46060.349 230 | Industrie chimique | 0 | 0 | 222109.5366 | 433994.653 | 61440.75 | 55546.066 | 0 | 119166.13831000001 | 0 | 892257.1439099999 240 | Industrie du textile | 64303 | 0 | 247815.51309 | 730422.098 | 5284.23 | 217422.907 | 0 | 0 | 0 | 1265247.74809 250 | Industrie pharmacie | 0 | 0 | 47148.35615 | 800.878 | 7628.26 | 31600.515 | 0 | 0 | 0 | 87178.00915 260 | Imprimerie, édition | 41967 | 0 | 5263.05221 | 118588.597 | 76742.56 | 46702.109 | 0 | 0 | 0 | 289263.31821 270 | Sidérurgie, aciérie | 347036 | 0 | 111607.91109000001 | 422318.217 | 28183.54 | 318281.09 | 0 | 0 | 0 | 1227426.7580900001 280 | Industrie de la fabrication | 55908 | 3394.46677 | 321179.81545999995 | 1171284.903 | 292027.96 | 181265.127 | 0 | 0 | 0 | 2025060.27223 290 | Autres industries | 0 | 0 | 21251.54249 | 5416.283 | 80611.15 | 68902.872 | 0 | 0 | 0 | 176181.84749000001 300 | Production et distribution de l'électricité | 296388 | 0 | 306439.91486 | 1339357.622 | 138704.6 | 876.901 | 0 | 154999.488 | 0 | 2236766.52586 400 | Production et distribution de gaz | 0 | 1185.8063 | 6.80819 | 6298.239 | 0.07 | 110875.898 | 0 | 0 | 0 | 118366.82149 500 | Traitement et distribution de l'eau | 0 | 3798.0301600000003 | 319352.14338 | 25944.744 | 39538.65 | 5.978 | 0 | 0 | 0 | 388639.5455400001 600 | Entrep/ batiment et corps/ métiers corresp. | 990669 | 101380.83197 | 713296.4208600001 | 2521120.108 | 821369.71 | 356060.85931 | 0 | 0 | 0 | 5503896.93014 700 | Commerce de gros(1) | 1089800 | 292766.93299 | 1184121.93706 | 3828757.024 | 3541554.01 | 1370639.3369200001 | 0 | 132600 | 0 | 11440239.24097 800 | Commerce de détail(2) | 126197 | 444857.24362 | 339706.2093800001 | 4398770.173 | 4303131.71 | 554792.245 | 405.82 | 87187.212 | 0 | 10255047.612999998 900 | Rest/débits/boissons, casinos/activités/loterie | 103048 | 1198.96598 | 16240.107800000002 | 2425.967 | 21114.32 | 34803.577 | 0 | 0 | 0 | 178830.93777999998 1000 | Hotels,motels et pensions | 757020 | 0 | 4350.06168 | 1724013.987 | 35129.74 | 924164.178 | 312725.91000000003 | 0 | 0 | 3757403.87668 1100 | Transport | 1682081 | 151023.80558000001 | 163931.50694999998 | 266738.96 | 995635.39 | 55721.531 | 0 | 0 | 0 | 3315132.1935300003 1200 | Immobilier résidentiel / Avance Hypothécaire | 1511434 | 310319.12106 | 1152123.3084500001 | 239667.465 | 1904251.69 | 344674.54 | 2635371.2899999996 | 0 | 0 | 8097841.4145100005 1300 | Immobilier commercial | 1848627 | 28082.340170000003 | 805056.85733 | 1854782.489 | 4649712.84 | 175311.469 | 1114063.6 | 0 | 0 | 10475636.5955 1400 | Télécommunications | 192710 | 0 | 2938.3977200000004 | 113027.28 | 144004.78 | 37532.952 | 0 | 0 | 0 | 490213.40972000005 1500 | Services financiers | 72402 | 98560.46883 | 204117.46637 | 1303982.227 | 2477238.61 | 1492414.609 | 0 | 192546.40399000002 | 0 | 5841261.785189999 1510 | Services professionnels | 885078 | 27616.084059999997 | 68746.83884 | 111606.882 | 253282.38 | 170984.052 | 0 | 0 | 0 | 1517314.2369000001 1520 | Services médicaux | 0 | 726.99936 | 5303.1562699999995 | 1764.553 | 15148.5 | 43153.913 | 0 | 0 | 0 | 66097.12163000001 1530 | Services d'agence ou de représentation | 197 | 941.2188100000001 | 24.3436 | 11741.925 | 16999.53 | 25457.8691 | 0 | 0 | 0 | 55361.88651 1540 | Services d'enseignement | 19646 | 0 | 14784.77707 | 108118.604 | 4931.29 | 18782.085 | 0 | 0 | 0 | 166262.75607 1550 | Autres services | 410555 | 16261.32726 | 8530.9971 | 682177.252 | 311839.48 | 345835.75 | 0 | 0 | 0 | 1775199.8063599998 1560 | Crédit à la consommation | 2912302 | 81983.70218000001 | 1176141.23645 | 3177463.831 | 1498009.87 | 229363.929 | 173740.22 | 4338.44254 | 0 | 9253343.23117 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 13975928 | 1574069.79752 | 7929638.260180001 | 25495776.707000002 | 27070843.17 | 7932130.917330001 | 4281302.13 | 947192.2773200001 | 0 | 89206881.25935 (1) Commerce de gros Import-export | 72728 | 38183.3037 | 666032.88226 | 724339.424 | 1583283.47 | 72806 | 0 | 0 | 0 | 3157373.07996 Produits pétroliers | 0 | 0 | 83198.24827 | 79168.312 | 6500 | 91439 | 0 | 0 | 0 | 260305.56027000002 Produits pharmaceutiques | 0 | 0 | 13546.61458 | 138099.056 | 106996.22 | 12345 | 0 | 132600 | 0 | 403586.89058 Produits alimentaires | 851929 | 14220.03849 | 341582.52309 | 1728509.078 | 1082427.61 | 516619 | 0 | 0 | 0 | 4535287.2495800005 Matériaux de construction | 0 | 114106.28513 | 44988.68958 | 431752.057 | 341807.83 | 502303 | 0 | 0 | 0 | 1434957.86171 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 165143 | 126257.30567 | 34772.97928 | 726889.096 | 420538.88 | 175128 | 0 | 0 | 0 | 1648729.26095 S-Total | 1089800 | 292766.93299 | 1184121.9370600001 | 3828757.023 | 3541554.01 | 1370640 | - | 132600 | 0 | 11440239.903050002 (2) Commerce de détail Produits pétroliers | 22734 | 6200.22997 | 2476.4245699999997 | 147369.864 | 120955.58 | 21242 | 0 | 0 | 320978.09854 Produits pharmaceutiques | 7326 | 0 | 989.3670400000001 | 10516.502 | 1108.99 | 23402 | 0 | 0 | 0 | 43342.85904 Véhicules automobiles | 16787 | 0 | 145359.40511000002 | 1422244.901 | 1877548.64 | 121303 | 0 | 0 | 0 | 3583242.94611 Produits alimentaires | 1951 | 0 | 92111.01670000001 | 903080.429 | 672661.29 | 106597 | 0 | 0 | 0 | 1776400.7357 Librairie ,papeterie | 1139 | 0 | 0 | 32795.299 | 24650.85 | 14356 | 0 | 0 | 0 | 72941.149 Appareils électro- ménagers électroni.équip. inform. | 29230 | 0 | 40828.98966 | 321399.463 | 337126.19 | 188066 | 0 | 87187.212 | 0 | 1003837.85466 Matériaux de construction | 0 | 0 | 12379.362539999998 | 172785.243 | 373019.59 | 41 | 0 | 0 | 0 | 558225.19554 Autres | 47030 | 434149.11415 | 45561.64376 | 1388578.472 | 896060.59 | 79785 | 0 | 0 | 0 | 2891164.81991 S-Total | 126197 | 440349.34411999997 | 339706.20938 | 4398770.173 | 4303131.72 | 554792 | - | 87187.212 | 0 | 10250133.6585 [Secteur d'activité mars 17 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2017 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 2.9327706052851012e-06 | 0.00015950202446209398 | 0.026392422486188855 | 2.772268918552085e-07 | 0 | 0 | #DIV/0! | 0.008054952742053027 200 | Industrie alimentaire | 0.03743665536914615 | 0.006335457573553558 | 0.05863709183367531 | 0.002173472047422885 | 0.07069975611697948 | 0.048778079312165136 | 0.010509720789081523 | 0.19526615335517014 | #DIV/0! | 0.04018003645200092 210 | Industrie des boissons | 9.52351786586193e-05 | 0 | 0.0003853720623481042 | 0.03273714790461119 | 0.10043870421491567 | 0.04198753783455035 | - | 0.0753806821588751 | #DIV/0! | 0.044418736257912664 220 | Industrie du bois | 0.0031494867460679535 | 0 | 0 | 4.125181248984022e-05 | 0 | 0.00012501079600609754 | - | 0 | #DIV/0! | 0.0005163317935764322 230 | Industrie chimique | 0 | 0 | 0.02801004652574885 | 0.017022217365154614 | 0.0022696282348563432 | 0.007002666317400761 | - | 0.12580987109309047 | #DIV/0! | 0.010002111174764112 240 | Industrie du textile | 0.0046009824893202085 | 0 | 0.03125180556273883 | 0.028648748629786152 | 0.0001952000522043584 | 0.027410403240442957 | - | 0 | #DIV/0! | 0.01418329763610457 250 | Industrie pharmacie | 0 | 0 | 0.00594583946997473 | 3.141218285694017e-05 | 0.0002817887847857529 | 0.003983862007491539 | - | 0 | #DIV/0! | 0.0009772565515046817 260 | Imprimerie, édition | 0.0030028059675178635 | 0 | 0.0006637190799017016 | 0.004651303561481257 | 0.0028348788221360744 | 0.005887712833630359 | - | 0 | #DIV/0! | 0.003242612163169661 270 | Sidérurgie, aciérie | 0.02483098081215072 | 0 | 0.014074779634079618 | 0.016564242064610265 | 0.0010411031464004452 | 0.04012554675624734 | - | 0 | #DIV/0! | 0.013759328212826076 280 | Industrie de la fabrication | 0.004000306813257767 | 0.0021564906304333497 | 0.0405037159226869 | 0.04594034990424188 | 0.010787545780015688 | 0.02285200898587978 | - | 0 | #DIV/0! | 0.022700718191711787 290 | Autres industries | 0 | 0 | 0.002680014118262892 | 0.00021243843881457164 | 0.0029777849730714535 | 0.00868655254409153 | - | 0 | #DIV/0! | 0.0019749804611797696 300 | Production et distribution de l'électricité | 0.021207035411172696 | 0 | 0.03864487947689103 | 0.052532528716109764 | 0.005123763568388328 | 0.00011055049508627748 | - | 0.16364099635457108 | #DIV/0! | 0.025073923606376034 400 | Production et distribution de gaz | 0 | 0.0007533378137794637 | 8.585751047671946e-07 | 0.00024703067776204616 | 2.5858078952477638e-09 | 0.01397807211650529 | - | 0 | #DIV/0! | 0.0013268799426568191 500 | Traitement et distribution de l'eau | 0 | 0.0024128727747549216 | 0.04027322973655431 | 0.0010176094769796416 | 0.0014605621905348285 | 7.536436377946505e-07 | - | 0 | #DIV/0! | 0.004356609490809497 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07088395131972632 | 0.0644068211776434 | 0.0899532106580368 | 0.09888383229006759 | 0.030341489729076656 | 0.044888424437383355 | - | 0 | #DIV/0! | 0.06169812073284562 700 | Commerce de gros(1) | 0.07797693290921362 | 0.18599361569052666 | 0.14932861981942674 | 0.15017220569510223 | 0.13082540457863395 | 0.172795854128611 | - | 0.13999269543791087 | #DIV/0! | 0.12824390988078535 800 | Commerce de détail(2) | 0.009029597175944239 | 0.2826159578951884 | 0.042840063850817935 | 0.17252936529650004 | 0.15895817071441443 | 0.06994239641051539 | 9.478891880961459e-05 | 0.09204806044944622 | #DIV/0! | 0.1149580331497705 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007373249203916906 | 0.0007616981037873996 | 0.002048026311812029 | 9.515171974870402e-05 | 0.0007799653622683966 | 0.0043876705216704965 | - | 0 | #DIV/0! | 0.0020046764919410993 1000 | Hotels,motels et pensions | 0.054165991696580006 | 0 | 0.0005485826133891326 | 0.06761959075860052 | 0.0012976965578571594 | 0.11650894162385797 | 0.07304457861281564 | 0 | #DIV/0! | 0.042120112525357196 1100 | Transport | 0.1203555856899091 | 0.09594479597915105 | 0.02067326422356608 | 0.010462084095942266 | 0.03677888360357266 | 0.007024787107113984 | - | 0 | #DIV/0! | 0.0371622922663551 1200 | Immobilier résidentiel | 0.10814551992540317 | 0.19714444781858986 | 0.14529329972535812 | 0.009400280985917091 | 0.0703432722077271 | 0.043452956537436895 | 0.6155536820289764 | 0 | #DIV/0! | 0.09077597266254889 1300 | Immobilier commercial | 0.13227221834571556 | 0.017840593990333005 | 0.10152504198996404 | 0.07274861677348937 | 0.17176091674724145 | 0.022101434132533307 | 0.2602160665544994 | 0 | #DIV/0! | 0.11743081304506452 1400 | Télécommunications | 0.013788708699701372 | 0 | 0.00037055886076867514 | 0.004433176572689694 | 0.005319552815391675 | 0.004731761539386418 | - | 0 | #DIV/0! | 0.005495242102398009 1500 | Services financiers | 0.0051804788919920025 | 0.06261505619718093 | 0.02574108170797776 | 0.05114502852709659 | 0.09150947365929421 | 0.18814800518980276 | - | 0.20328122240902732 | #DIV/0! | 0.06547994619616591 1510 | Services professionnels | 0.063328746398808 | 0.0175443834215675 | 0.008669605924550643 | 0.00437746546349999 | 0.009356279684730632 | 0.021555878714310753 | 0 | 0 | #DIV/0! | 0.017008937152378775 1520 | Services médicaux | 0 | 0.0004618596717536999 | 0.00066877656911926 | 6.920961931375609e-05 | 0.0005595872985880106 | 0.005440393439008676 | 0 | 0 | #DIV/0! | 0.0007409419620649746 1530 | Services d'agence ou de représentation | 1.409566506066717e-05 | 0.0005979523979704851 | 3.0699508856848412e-06 | 0.00046054392203616183 | 0.0006279645555643031 | 0.0032094615388129854 | 0 | 0 | #DIV/0! | 0.0006206010761551803 1540 | Services d'enseignement | 0.0014057027197049098 | 0 | 0.0018644957796176175 | 0.004240647588128408 | 0.0001821624087965192 | 0.002367848588954222 | 0 | 0 | #DIV/0! | 0.001863788462536051 1550 | Autres services | 0.029375866847625432 | 0.010330753620722707 | 0.001075836856624321 | 0.026756480488500062 | 0.011519385563342243 | 0.0435993497339313 | 0 | 0 | #DIV/0! | 0.019899807966596038 1560 | Crédit à la consommation | 0.2083798657234067 | 0.05208390524306361 | 0.14832218038951273 | 0.12462706539658429 | 0.05533665355721537 | 0.02891580224664335 | 0.0405811630958173 | 0.004580318741908722 | #DIV/0! | 0.10372902965039071 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 0.9999999999999998 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 0.9999999999999999 | #DIV/0! | 1 (1) Commerce de gros Import-export | 0.005203804713361431 | 0.024257694137934084 | 0.08399284562633771 | 0.028410172881735692 | 0.05848666995916108 | 0.009178618048390319 | - | 0 | #DIV/0! | 0.0353938287650771 Produits pétroliers | 0 | 0 | 0.010492060991961493 | 0.0031051539598032298 | 0.00024011073313014947 | 0.011527671561777359 | - | 0 | #DIV/0! | 0.0029179986632781956 Produits pharmaceutiques | 0 | 0 | 0 | 0.00541654633969571 | 0.003952452434823809 | 0.0015563283219429509 | - | 0.13999269543791087 | #DIV/0! | 0.004524167697407301 Produits alimentaires | 0.06095688243385341 | 0.009033931349425641 | 0.04307668419192758 | 0.0677958980369258 | 0.03998499799960239 | 0.06512991343490039 | - | 0 | #DIV/0! | 0.05084010544427194 Matériaux de construction | 0 | 0.07249124867892028 | 0.005673485738424941 | 0.016934257856182907 | 0.012626419792450078 | 0.06332510207346376 | - | 0 | #DIV/0! | 0.016085730623607006 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | #DIV/0! | 0 Autres | 0.011816245761998774 | 0.08021074152424666 | 0.004385191119577082 | 0.02851017658153669 | 0.015534753659466454 | 0.022078304282318762 | - | 0 | #DIV/0! | 0.018482086108992768 S-Total | 0.0779769329092136 | 0.18599361569052666 | 0.1476202676682288 | 0.15017220565588002 | 0.13082540457863398 | 0.17279593772279356 | - | 0.13999269543791087 | #DIV/0! | 0.1282439173026343 (2) Commerce de détail Produits pétroliers | 0.00162665405832085 | 0.0039389803296960985 | 0.00031229981605034594 | 0.0057801676604556556 | 0.004468112767689607 | 0.002677968911681828 | - | 0 | #DIV/0! | 0.0035981316016062094 Produits pharmaceutiques | 0.0005241870164185161 | 0 | 0.00012476824383884843 | 0.00041248015782600726 | 4.096621568215453e-05 | 0.0029502790919488813 | - | 0 | #DIV/0! | 0.0004858690095216968 Véhicules automobiles | 0.0012011366973270039 | 0 | 0.01833115210815435 | 0.05578354867728015 | 0.06935685852891 | 0.015292611943025175 | - | 0 | #DIV/0! | 0.04016778633581511 Produits alimentaires | 0.00013959717022010988 | 0 | 0.01161604270935672 | 0.0354207851511366 | 0.02484818392156494 | 0.013438633465706985 | - | 0 | #DIV/0! | 0.01991327026146664 Librairie ,papeterie | 8.149727159441578e-05 | 0 | 0 | 0.0012863031935401235 | 0.0009106051793509761 | 0.0018098541425526937 | - | 0 | #DIV/0! | 0.0008176628077372098 Appareils électro- ménagers électroni.équip. inform. | 0.002091453247326403 | 0 | 0.005148909486203119 | 0.012605988305183032 | 0.012453479482811395 | 0.02370939183430725 | - | 0.09204806044944622 | #DIV/0! | 0.011252919511237651 Matériaux de construction | 0 | 0 | 0.0015611509798832853 | 0.006777014286941134 | 0.013779385727201197 | 0 | - | 0 | #DIV/0! | 0.006257647253882569 Autres | 0.003365071714736939 | 0.2758131277494915 | 0.005745740507331259 | 0.05446307786413734 | 0.03310057926060527 | 0.010058457283614285 | - | 0 | #DIV/0! | 0.032409661441975025 S-Total | 0.009029597175944237 | 0.2797521080791876 | 0.04284006385081792 | 0.17252936529650004 | 0.15895817108381555 | 0.0699371966728371 | - | 0.09204806044944622 | #DIV/0! | 0.1149029482232421 [Secteur d'activité mars 17 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2017 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1215997 | 737624.17661 | 1523828.14644 | 8227527.197000001 | 7844685.72 | 1925431.5819200003 | 405.82 | 219787.212 | 0 | 21695286.853970002 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2247946 | 145305.0643 | 322097.74873 | 3945831.397 | 3135683.8499999996 | 3055596.0330999997 | 312725.91000000003 | 192546.40399000002 | 0 | 13357732.40712 Industries Manufacturières ( 200 à 290 ) | 1077774 | 13366.91919 | 1444402.51501 | 3773950.747 | 5184780.87 | 1640677.046 | 44995.29 | 375520.73079 | 0 | 13555468.117989998 Prêts aux Particuliers ( 1560 ) | 2912302 | 81983.70218000001 | 1176141.23645 | 3177463.831 | 1498009.87 | 229363.929 | 173740.22 | 4338.44254 | 0 | 9253343.23117 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 3360061 | 338401.46122999996 | 1957180.1657800002 | 2094449.9540000001 | 6553964.529999999 | 519986.00899999996 | 3749434.8899999997 | 0 | 0 | 18573478.01001 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1874791 | 151023.80558000001 | 166869.90467 | 379766.24 | 1139640.17 | 93254.48300000001 | 0 | 0 | 0 | 3805345.6032499997 Bâtiments et Travaux Publics ( 600 ) | 990669 | 101380.83197 | 713296.4208600001 | 2521120.108 | 821369.71 | 356060.85931 | 0 | 0 | 0 | 5503896.93014 Électricité, Gaz et Eau ( 300 à 500 ) | 296388 | 4983.83646 | 625798.86643 | 1371600.605 | 178243.32 | 111758.777 | 0 | 154999.488 | 0 | 2743772.89289 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 23.25581 | 4066.628 | 714465.13 | 2.199 | 0 | 0 | 0 | 718557.21281 Total | 13975928 | 1574069.7975199998 | 7929638.26018 | 25495776.706999995 | 27070843.170000006 | 7932130.917329999 | 4281302.13 | 947192.27732 | 0 | 89206881.25935 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.08700653008515785 | 0.4686095735857151 | 0.1921686836702447 | 0.32270157099160235 | 0.2897835752930483 | 0.24273825053912645 | 9.478891880961459e-05 | 0.23204075588735715 | #DIV/0! | 0.2432019430305559 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.16084413142368792 | 0.09231170341298273 | 0.04061947571397645 | 0.15476411808692425 | 0.11583251509044146 | 0.38521754935034924 | 0.07304457861281564 | 0.20328122240902735 | #DIV/0! | 0.14973881183319523 Industries Manufacturières ( 200 à 290 ) | 0.07711645337611928 | 0.00849194820398691 | 0.18215238420941696 | 0.14802258391146964 | 0.19152639012536524 | 0.2068393806279059 | 0.010509720789081523 | 0.3964567066071358 | #DIV/0! | 0.15195540889475065 Prêts aux Particuliers ( 1560 ) | 0.2083798657234067 | 0.05208390524306362 | 0.14832218038951275 | 0.12462706539658433 | 0.055336653557215364 | 0.028915802246643356 | 0.0405811630958173 | 0.004580318741908723 | #DIV/0! | 0.10372902965039071 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.24041773827111873 | 0.2149850418089229 | 0.2468183417153222 | 0.0821488977594065 | 0.2421041889549685 | 0.06555439066997022 | 0.8757697485834759 | 0 | #DIV/0! | 0.20820678570761342 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.13414429438961048 | 0.09594479597915107 | 0.021043823084334758 | 0.014895260668631964 | 0.042098436418964325 | 0.011756548646500404 | 0 | 0 | #DIV/0! | 0.0426575343687531 Bâtiments et Travaux Publics ( 600 ) | 0.07088395131972632 | 0.06440682117764342 | 0.08995321065803681 | 0.09888383229006763 | 0.03034148972907665 | 0.04488842443738336 | 0 | 0 | #DIV/0! | 0.06169812073284562 Électricité, Gaz et Eau ( 300 à 500 ) | 0.021207035411172696 | 0.003166210588534386 | 0.07891896778855012 | 0.05379716887085147 | 0.0065843283447310505 | 0.014089376255229364 | 0 | 0.1636409963545711 | #DIV/0! | 0.03075741303984235 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2.9327706052851016e-06 | 0.00015950202446209403 | 0.026392422486188852 | 2.7722689185520856e-07 | 0 | 0 | #DIV/0! | 0.008054952742053027 Total | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 1 [Secteur d'activité déc. 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 2.86339 | 8358.251 | 686990.07 | 0 | 0 | 0 | 0 | 695351.18439 200 | Industrie alimentaire | 435785 | 5780.0034000000005 | 364476.57951999997 | 485713.746 | 1909756.97 | 382984.98 | 41142.04 | 129027.14433 | 191013 | 3945679.46325 210 | Industrie des boissons | 1363 | 0 | 3094.87404 | 841673.32 | 2699024.04 | 337983.308 | 0 | 94988.04 | 63023 | 4041149.5820400002 220 | Industrie du bois | 22980 | 0 | 34.59961 | 3262.98 | 0 | 694.727 | 0 | 0 | 0 | 26972.30661 230 | Industrie chimique | 0 | 0 | 205364.18073 | 386031.262 | 61402.27 | 55611.087 | 0 | 123967.25631 | 0 | 832376.05604 240 | Industrie du textile | 67941 | 0 | 273609.49755000003 | 780450.242 | 4866.12 | 241839.919 | 0 | 0 | 9250 | 1377956.7785500002 250 | Industrie pharmacie | 0 | 0 | 2476.14946 | 17436.149 | 8216.4 | 31116.744 | 0 | 0 | 0 | 59245.44246 260 | Imprimerie, édition | 8323 | 0 | 6255.29504 | 79016.38 | 43993.54 | 44942.388 | 0 | 0 | 0 | 182530.60304000002 270 | Sidérurgie, aciérie | 347036 | 0 | 114528.92006 | 442369.624 | 47322.77 | 250984.496 | 0 | 0 | 49574 | 1251815.81006 280 | Industrie de la fabrication | 59632 | 3439.80517 | 232747.62600999998 | 1209116.021 | 349446.09 | 192438.15 | 0 | 0 | 5682 | 2052501.69218 290 | Autres industries | 0 | 0 | 11146.8061 | 29312.261 | 55939.36 | 62990.819 | 0 | 0 | 0 | 159389.2461 300 | Production et distribution de l'électricité | 479041 | 0 | 311164.30458 | 1487434.441 | 67394.4 | 3195.722 | 0 | 149650.50525999998 | 0 | 2497880.37284 400 | Production et distribution de gaz | 0 | 1731.22517 | 352.9756 | 2015.445 | 0.07 | 111371.55 | 0 | 0 | 0 | 115471.26577 500 | Traitement et distribution de l'eau | 0 | 4894.53313 | 303772.08931 | 66079.022 | 40528.07 | 1.624 | 0 | 0 | 0 | 415275.33844 600 | Entrep/ batiment et corps/ métiers corresp. | 1010630 | 198267.85444999998 | 708334.25706 | 2717198.813 | 764139.77 | 320097.65331 | 0 | 0 | 428423 | 6147091.34782 700 | Commerce de gros(1) | 696876 | 290205.42068 | 930792.04192 | 4296548.442 | 3261441.74 | 1242535.58598 | 0 | 176406.36 | 30467 | 10925272.59058 800 | Commerce de détail(2) | 116531 | 447014.02119 | 211332.74159 | 4132767.234 | 4021629.71 | 546066.743 | 584.4 | 84178.40921 | 8398 | 9568502.258990003 900 | Rest/débits/boissons, casinos/activités/loterie | 100654 | 2189.4061 | 16189.067939999999 | 28862.675 | 21762.41 | 37965.586 | 0 | 0 | 0 | 207623.14504 1000 | Hotels,motels et pensions | 612383 | 0 | 31453.608070000002 | 1492828.692 | 37580.87 | 834261.35 | 314447.68 | 0 | 0 | 3322955.2000700003 1100 | Transport | 1596214 | 151323.39733 | 178010.69873 | 90610.778 | 999013.13 | 35478.375 | 0 | 0 | 0 | 3050650.37906 1200 | Immobilier résidentiel / Avance Hypothécaire | 1458908 | 308639.88079 | 1118630.05776 | 248491.306 | 1789417.45 | 398658.82148000004 | 2635767.51 | 0 | 808940 | 8767453.02603 1300 | Immobilier commercial | 1156682 | 29492.42043 | 696708.72209 | 1465978.881 | 4595523.32 | 187989.054 | 1092441.76 | 0 | 11284 | 9236100.15752 1400 | Télécommunications | 199627 | 0 | 3517.17933 | 123031.754 | 158903.05 | 39490.874 | 0 | 0 | 158215 | 682784.85733 1500 | Services financiers | 76725 | 98374.19715 | 145344.95135 | 1637522.969 | 2679611.48 | 1431713.391 | 0 | 125249.62026000001 | 622028 | 6816569.60876 1510 | Services professionnels | 900063 | 27612.436850000002 | 84934.70023999999 | 630832.312 | 320446.92 | 181719.779 | 0 | 0 | 65716 | 2211325.1480900003 1520 | Services médicaux | 0 | 868.7529000000001 | 3287.2553399999997 | 40280.403 | 19023.7 | 44908.784 | 0 | 0 | 910 | 109278.89524 1530 | Services d'agence ou de représentation | 407 | 941.2188100000001 | 2394.5638799999997 | 28901.023 | 14170.68 | 16573.272800000002 | 0 | 0 | 0 | 63387.75849000001 1540 | Services d'enseignement | 23966 | 0 | 12213.52288 | 149228.158 | 6403.37 | 15994.975 | 0 | 0 | 7547 | 215353.02588 1550 | Autres services | 451350 | 17128.96682 | 8673.50574 | 1100971.637 | 324087.58 | 378099.783 | 0 | 0 | 11483 | 2291794.47256 1560 | Crédit à la consommation | 3333308 | 120687.80652 | 1123691.08238 | 2077870.339 | 1515556.33 | 179897.724 | 135426.32 | 0 | 634308 | 9120745.6019 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 0 Total | 13156425 | 1708591.34689 | 7104534.7173 | 26100194.560000002 | 26503591.68 | 7607607.265570001 | 4219809.71 | 883467.3353699999 | 3106261 | 90390482.61512998 (1) Commerce de gros Import-export | 35853 | 37731.26498 | 286551.30374 | 955099.495 | 1405261.65 | 90046 | 2810542.71372 Produits pétroliers | 0 | 0 | 93301.68539 | 4011.016 | 6500 | 93856 | 197668.70139 Produits pharmaceutiques | 0 | 0 | 13253.08382 | 140674.463 | 116699.82 | 13358 | 283985.36682 Produits alimentaires | 455435 | 18715.29864 | 308957.89441 | 1935565.17 | 804349.72 | 444191 | 176406.36 | 3957 | 4147577.4430499994 Matériaux de construction | 0 | 111166.89892 | 203531.59159 | 416544.279 | 367340.35 | 474132 | 26509 | 1599224.11951 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 205588 | 122591.95814 | 25196.482949999998 | 844654.02 | 561290.2 | 126953 | 0 | 0 | 1886273.6610899998 S-Total | 696876 | 290205.42068 | 930792.0419 | 4296548.443 | 3261441.74 | 1242536 | - | 176406.36 | 30466 | 10925272.005579999 (2) Commerce de détail Produits pétroliers | 21027 | 6990.63075 | 2600.9317 | 135241.221 | 140062.89 | 9329 | 315251.67345 Produits pharmaceutiques | 7742 | 0 | 294.7079 | 6200.399 | 1175.26 | 24184 | 1189 | 40785.3669 Véhicules automobiles | 19640 | 0 | 45680.596549999995 | 1380457.811 | 2000336.09 | 98854 | 3544968.49755 Produits alimentaires | 2115 | 0 | 59865.84543 | 896311.734 | 699593.19 | 104491 | 5064 | 1767440.7694299999 Librairie ,papeterie | 1209 | 0 | 4109.76144 | 34696.289 | 22560.24 | 13881 | 411 | 76867.29044 Appareils électro- ménagers électroni.équip. inform. | 470 | 0 | 40331.05993 | 322377.121 | 197575.5 | 210944 | 84178.40921 | 855876.09014 Matériaux de construction | 18156 | 0 | 14157.09041 | 166653.601 | 299127.43 | 224 | 498318.12141 Autres | 46172 | 440023.39044 | 44292.74823 | 1190829.058 | 661199.11 | 84160 | 1734 | 2468410.30667 S-Total | 116531 | 447014.02119 | 211332.74159000002 | 4132767.2339999992 | 4021629.7100000004 | 546067 | - | 84178.40921 | 8398 | 9567918.115989998 [Secteur d'activité déc. 16 (%] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 décembre 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.0303694948910037e-07 | 0.00032023711473819753 | 0.025920640428459846 | 0 | 0 | 0 | 0 | 0.007692747779107541 200 | Industrie alimentaire | 0.03312335987929852 | 0.0033829056962747924 | 0.051301963326673035 | 0.018609583345573343 | 0.07205653456550686 | 0.05034237002917957 | 0.009749738217460996 | 0.14604630999284526 | 0.06149290095069281 | 0.043651492381671986 210 | Industrie des boissons | 0.00010359957207220047 | 0 | 0.00043561952515536065 | 0.03224777953532619 | 0.10183616139984239 | 0.04442701840427834 | - | 0.10751731976623516 | 0.02028902271895375 | 0.04470768896374466 220 | Industrie du bois | 0.0017466751036090732 | 0 | 4.870074026909562e-06 | 0.00012501745887368587 | 0 | 9.132004002679645e-05 | - | 0 | 0 | 0.0002983976391059256 230 | Industrie chimique | 0 | 0 | 0.028906070404572024 | 0.014790359555082181 | 0.0023167527911447205 | 0.0073099313698383106 | - | 0.14031900371062614 | 0 | 0.009208669231075365 240 | Industrie du textile | 0.0051640928291690185 | 0 | 0.03851195165303975 | 0.029902085220317984 | 0.0001836022852582673 | 0.03178922236095216 | - | 0 | 0.0029778566578919155 | 0.015244489670634322 250 | Industrie pharmacie | 0 | 0 | 0.0003485308410092524 | 0.0006680467059322948 | 0.00031001081284391413 | 0.004090214296527382 | - | 0 | 0 | 0.0006554389438571625 260 | Imprimerie, édition | 0.0006326186635047135 | 0 | 0.0008804651238831945 | 0.003027424941923498 | 0.0016599086090357397 | 0.0059075588987614076 | - | 0 | 0 | 0.0020193564384116606 270 | Sidérurgie, aciérie | 0.026377682387122642 | 0 | 0.016120537743466116 | 0.016948901395469135 | 0.0017855229046450506 | 0.032991252996969075 | - | 0 | 0.015959380103603656 | 0.013848978054360618 280 | Industrie de la fabrication | 0.004532538284526382 | 0.002013240425372151 | 0.03276043193134724 | 0.04632593899713826 | 0.013184857894701765 | 0.025295489538599565 | - | 0 | 0.0018292088140693908 | 0.022707055353595854 290 | Autres industries | 0 | 0 | 0.0015689706002641958 | 0.0011230667623038592 | 0.002110633180415795 | 0.008279977764504174 | - | 0 | 0 | 0.0017633410231767109 300 | Production et distribution de l'électricité | 0.036411183129155526 | 0 | 0.043797984943657865 | 0.05698940050353402 | 0.0025428402615656352 | 0.00042006926599155356 | - | 0.16938996980270438 | 0 | 0.02763432941801655 400 | Production et distribution de gaz | 0 | 0.0010132470664510845 | 4.968314098606368e-05 | 7.721953931672147e-05 | 2.6411514652492567e-09 | 0.014639497822664677 | - | 0 | 0 | 0.001277471503959775 500 | Traitement et distribution de l'eau | 0 | 0.002864659907653806 | 0.04275749241822908 | 0.0025317444223680145 | 0.001529153878060349 | 2.134705359134127e-07 | - | 0 | 0 | 0.0045942374288251596 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07681646039862652 | 0.11604170582444404 | 0.09970170957644284 | 0.10410645816273945 | 0.02883155533129614 | 0.042075996057088345 | - | 0 | 0.13792240896692196 | 0.06800595781741153 700 | Commerce de gros(1) | 0.05296849258062126 | 0.1698506908677933 | 0.13101379315572367 | 0.16461748712726834 | 0.12305659472037264 | 0.163328040289801 | - | 0.19967502242300816 | 0.009808255004972215 | 0.12086751032294275 800 | Commerce de détail(2) | 0.008857345365477325 | 0.2616272299421747 | 0.029746176209877778 | 0.15834239183541166 | 0.15173904573223487 | 0.07177903957678682 | 0.00013848965715565405 | 0.09528185801543611 | 0.0027035719149163576 | 0.10585740868019641 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007650558567391978 | 0.0012814100363935388 | 0.002278695028483509 | 0.001105841373467524 | 0.0008211117294122153 | 0.004990476594634703 | - | 0 | 0 | 0.002296958031787819 1000 | Hotels,motels et pensions | 0.04654630722251676 | 0 | 0.004427257986847251 | 0.05719607524642145 | 0.0014179538552263119 | 0.10966146396326794 | 0.07451702839936827 | 0 | 0 | 0.036762224339687156 1100 | Transport | 0.12132581609365767 | 0.0885661733014397 | 0.025055926364401102 | 0.0034716514389078945 | 0.03769349988718208 | 0.004663539239277723 | - | 0 | 0 | 0.03374968570584187 1200 | Immobilier résidentiel | 0.11088939434534838 | 0.1806399648176788 | 0.15745296522178487 | 0.0095206687225553 | 0.06751603600014411 | 0.05240265533740463 | 0.6246176228643258 | 0 | 0.26042241782000936 | 0.0969953115900552 1300 | Immobilier commercial | 0.08791765240177328 | 0.01726124885490172 | 0.09806535541215239 | 0.05616735452411892 | 0.17339247357435897 | 0.02471066755125337 | 0.25888412868740474 | 0 | 0.0036326631921786354 | 0.10218000712360417 1400 | Télécommunications | 0.01517334686284458 | 0 | 0.000495061178522422 | 0.004713825167746182 | 0.005995528904858226 | 0.0051909716973331625 | - | 0 | 0.05093422606793183 | 0.0075537250999887055 1500 | Services financiers | 0.005831751406632121 | 0.0575762000252793 | 0.020458053501529898 | 0.06273987595133083 | 0.10110371123858183 | 0.1881949660413666 | - | 0.14177051628914492 | 0.20024975364272352 | 0.07541247055604293 1510 | Services professionnels | 0.06841242966839396 | 0.0161609368444131 | 0.011954998267962366 | 0.02416964021282759 | 0.012090697889894446 | 0.0238865878135449 | 0 | 0 | 0.021155981419462178 | 0.024464136976738063 1520 | Services médicaux | 0 | 0.000508461488805568 | 0.00046269818796089787 | 0.0015432989553929208 | 0.0007177781875637468 | 0.005903141741194392 | 0 | 0 | 0.00029295670904666413 | 0.001208964617495121 1530 | Services d'agence ou de représentation | 3.093545549037827e-05 | 0.0005508741523906338 | 0.0003370472487338379 | 0.0011073106345457066 | 0.0005346701749368334 | 0.0021785131936300404 | 0 | 0 | 0 | 0.0007012658485285028 1540 | Services d'enseignement | 0.0018216194748953457 | 0 | 0.0017191165031904601 | 0.005717511325708676 | 0.00024160385797190187 | 0.002102497466238693 | 0 | 0 | 0.002429609102390301 | 0.0023824745664534513 1550 | Autres services | 0.03430643202845758 | 0.010025198155883423 | 0.0012208407848130372 | 0.042182506895458174 | 0.012228062668372652 | 0.04970022371044029 | 0 | 0 | 0.0036967273516294993 | 0.025354378096620417 1560 | Crédit à la consommation | 0.2533597082794148 | 0.07063585259265037 | 0.15816533060831414 | 0.07961129692820189 | 0.05718305459496122 | 0.023647083467908375 | 0.03209299217428456 | 0 | 0.20420305956260598 | 0.10090382679706289 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1.0000000000000004 (1) Commerce de gros Import-export | 0.0027251323972887773 | 0.022083258848687802 | 0.04033357779816729 | 0.03659357759975257 | 0.053021555227944106 | 0.011836310269001945 | - | 0 | 0 | 0.031093347799534352 Produits pétroliers | 0 | 0 | 0.013132694694672176 | 0.00015367762837090513 | 0.0002452497789160024 | 0.012337124765202746 | - | 0 | 0 | 0.002186830910413939 Produits pharmaceutiques | 0 | 0 | 0 | 0.005389785990928643 | 0.00440317000839035 | 0.0017558740263124177 | - | 0 | 0 | 0.00314176181611033 Produits alimentaires | 0.034616926710713584 | 0.010953642410788179 | 0.04348742130257561 | 0.07415903224592667 | 0.030348706307868987 | 0.0583877406514253 | - | 0.19967502242300816 | 0.0012738787886787362 | 0.04588511227127533 Matériaux de construction | 0 | 0.0650634799961661 | 0.028648124006542958 | 0.015959431951452854 | 0.013860021480681066 | 0.06232340648626735 | - | 0 | 0.008534054285843978 | 0.017692394965068088 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.01562643347261889 | 0.07175030961215124 | 0.0035465352697404574 | 0.03236198174915061 | 0.021177891916572114 | 0.016687638513433176 | - | 0 | 0 | 0.020868056088620402 S-Total | 0.05296849258062125 | 0.1698506908677933 | 0.1291483530716985 | 0.16461748716558225 | 0.12305659472037263 | 0.16332809471164295 | - | 0.19967502242300816 | 0.009807933074522714 | 0.12086750385102242 (2) Commerce de détail Produits pétroliers | 0.0014484527880471898 | 0.0035191700102104643 | 0.0060412809498363385 | 0.0015587653489249065 | 0.0035463271425771646 | 0.0025292079839346233 | - | 0.2171675281436866 | #DIV/0! | 0.004064621586074254 Produits pharmaceutiques | 8.797544048876642e-05 | 0 | 6.233273708010367e-05 | 4.250977862214704e-05 | 2.2151575916413323e-05 | 0.004850071408473294 | - | 0 | #DIV/0! | 0.0004628634642145044 Véhicules automobiles | 0.006972098544163559 | 0 | 0.018226994989193532 | 0.057521539973950195 | 0.11629795324116977 | 0.058833387985043575 | - | 0 | #DIV/0! | 0.059690328654320654 Produits alimentaires | 2.827782015710349e-06 | 0 | 0.037422323362110176 | 0.016974905220791824 | 0.022949518939150287 | 0.015303203618614609 | - | 0.008686701125747464 | #DIV/0! | 0.01747345461275361 Librairie ,papeterie | 3.415781133262818e-05 | 0 | 0 | 0.000607310641729282 | 0.0028782709132617757 | 1.3578633819088422e-05 | - | 0 | #DIV/0! | 0.0010485198162242663 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.003379757764949144 | 0.008110552980822371 | 0.01322736041070386 | 0.02827854623452611 | - | 0 | #DIV/0! | 0.009133110865973954 Matériaux de construction | 0.0013765014456474487 | 0 | 0 | 0.0051758903718589246 | 0.016249953496746395 | 0 | - | 0 | #DIV/0! | 0.00659301435080459 Autres | 0.0019411601402131026 | 0.29854203992689665 | 0.00427885797514355 | 0.08238373931858792 | 0.02638968807195048 | 0.004844156788834306 | - | 0 | #DIV/0! | 0.03524026391007838 S-Total | 0.011863173951908404 | 0.3020612099371071 | 0.06941154777831283 | 0.17237521363528757 | 0.20156122379147617 | 0.1146521526532456 | - | 0.22585422926943405 | #DIV/0! | 0.1337061772604442 [Secteur d'activité déc.16 g ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 décembre 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 813407 | 737219.44187 | 1142124.78351 | 8429315.675999999 | 7283071.45 | 1788602.32898 | 584.4 | 260584.76921 | 38865 | 20493774.849569995 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2165548 | 147114.97863 | 304491.17543999996 | 5109427.869 | 3423087.0100000007 | 2941236.9208000004 | 314447.68 | 125249.62026000001 | 707684 | 15238287.254130002 Industries Manufacturières ( 200 à 290 ) | 943060 | 9219.808570000001 | 1213734.52812 | 4274381.984999999 | 5179967.56 | 1601586.6179999998 | 41142.04 | 347982.44064 | 318542 | 13929616.98033 Prêts aux Particuliers ( 1560 ) | 3333308 | 120687.80652 | 1123691.08238 | 2077870.339 | 1515556.33 | 179897.724 | 135426.32 | 0 | 634308 | 9120745.6019 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2615590 | 338132.30122 | 1815338.77985 | 1714470.1870000002 | 6384940.7700000005 | 586647.87548 | 3728209.2699999996 | 0 | 820224 | 18003553.18355 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1795841 | 151323.39733 | 181527.87806000002 | 213642.532 | 1157916.18 | 74969.24900000001 | 0 | 0 | 158215 | 3733435.23639 Bâtiments et Travaux Publics ( 600 ) | 1010630 | 198267.85444999998 | 708334.25706 | 2717198.813 | 764139.77 | 320097.65331 | 0 | 0 | 428423 | 6147091.34782 Électricité, Gaz et Eau ( 300 à 500 ) | 479041 | 6625.7582999999995 | 615289.36949 | 1555528.9080000003 | 107922.54000000001 | 114568.896 | 0 | 149650.50525999998 | 0 | 3028626.9770500003 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 2.86339 | 8358.251 | 686990.07 | 0 | 0 | 0 | 0 | 695351.18439 Total | 13156425 | 1708591.3468900002 | 7104534.717299999 | 26100194.56 | 26503591.68 | 7607607.26557 | 4219809.71 | 883467.33537 | 3106261 | 90390482.61512999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.061825837946098576 | 0.43147792080996794 | 0.16075996936560147 | 0.32295987896268 | 0.2747956404526075 | 0.23510707986658785 | 0.00013848965715565405 | 0.29495688043844426 | 0.012511826919888573 | 0.22672491900313904 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1646000338237781 | 0.08610308070316554 | 0.04285870750952126 | 0.19576206059515291 | 0.12915558960195997 | 0.3866178705243177 | 0.07451702839936827 | 0.1417705162891449 | 0.22782502822525216 | 0.16858287303335345 Industries Manufacturières ( 200 à 290 ) | 0.07168056671930255 | 0.005396146121646943 | 0.1708394112234371 | 0.16376820391794045 | 0.1954439844433945 | 0.2105243556996368 | 0.009749738217460996 | 0.39388263346970653 | 0.10254836924521153 | 0.15410490769963422 Prêts aux Particuliers ( 1560 ) | 0.2533597082794148 | 0.07063585259265037 | 0.15816533060831414 | 0.0796112969282019 | 0.05718305459496122 | 0.023647083467908375 | 0.03209299217428456 | 0 | 0.20420305956260598 | 0.10090382679706288 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19880704674712166 | 0.19790121367258048 | 0.25551832063393726 | 0.06568802324667423 | 0.2409085095745031 | 0.077113322888658 | 0.8835017515517304 | 0 | 0.26405508101218794 | 0.19917531871365934 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.13649916295650225 | 0.08856617330143969 | 0.02555098754292353 | 0.008185476606654078 | 0.043689028792040306 | 0.009854510936610888 | 0 | 0 | 0.05093422606793183 | 0.04130341080583057 Bâtiments et Travaux Publics ( 600 ) | 0.07681646039862652 | 0.11604170582444402 | 0.09970170957644285 | 0.10410645816273946 | 0.02883155533129614 | 0.04207599605708835 | 0 | 0 | 0.13792240896692196 | 0.06800595781741152 Électricité, Gaz et Eau ( 300 à 500 ) | 0.036411183129155526 | 0.0038779069741048905 | 0.08660516050287302 | 0.059598364465218774 | 0.00407199678077745 | 0.015059780559192144 | 0 | 0.16938996980270435 | 0 | 0.03350603835080149 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.030369494891004e-07 | 0.0003202371147381976 | 0.025920640428459846 | 0 | 0 | 0 | 0 | 0.0076927477791075395 Total | 0.9999999999999999 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 [Secteur d'activité sept. 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 8.85384 | 7954.259 | 0 | 0 | 0 | 0 | 0 | 7963.11284 200 | Industrie alimentaire | 93460 | 5780.0034000000005 | 191299.35254 | 427062.236 | 1857046.87 | 354573.387 | 26932.01 | 138099.8964 | 239485 | 3333738.7553399997 210 | Industrie des boissons | 1372 | 0 | 9094.51485 | 971885.456 | 2485173.95 | 140849.197 | 0 | 117275.76 | 66076 | 3791726.8778500003 220 | Industrie du bois | 15439 | 0 | 10013.08783 | 3606.966 | 0 | 969.82 | 0 | 0 | 0 | 30028.87383 230 | Industrie chimique | 0 | 0 | 14640.51494 | 322304.533 | 74162.5 | 56684.693 | 0 | 128741.03232 | 0 | 596533.27326 240 | Industrie du textile | 73259 | 0 | 111668.04076999999 | 780865.518 | 4616.44 | 204354.443 | 0 | 0 | 7435 | 1182198.44177 250 | Industrie pharmacie | 0 | 0 | 6715.45017 | 17634.359 | 2565.19 | 32444.16 | 0 | 0 | 0 | 59359.15917 260 | Imprimerie, édition | 16786 | 0 | 4816.01013 | 157627.112 | 36122.41 | 77707.754 | 0 | 0 | 4494 | 297553.28613 270 | Sidérurgie, aciérie | 347036 | 0 | 143264.28512000002 | 444349.504 | 76426.02 | 220866.303 | 0 | 0 | 50459 | 1282401.1121200002 280 | Industrie de la fabrication | 61504 | 3471.5940499999997 | 167834.5011 | 1335603.687 | 357187.25 | 154637.502 | 0 | 0 | 1898 | 2082136.53415 290 | Autres industries | 0 | 0 | 160274.14904 | 131567.472 | 366835.99 | 66469.538 | 0 | 149461.6532 | 0 | 874608.8022400001 300 | Production et distribution de l'électricité | 446347 | 0 | 320499.74552 | 1109133.244 | 65536.8 | 239.402 | 0 | 0 | 0 | 1941756.1915199999 400 | Production et distribution de gaz | 0 | 1991.44471 | 874.08243 | 2504.429 | 89326.43 | 111715.291 | 0 | 0 | 0 | 206411.67713999999 500 | Traitement et distribution de l'eau | 0 | 7058.053150000001 | 299069.88724 | 47806.979 | 37004.57 | 5.883 | 0 | 0 | 0 | 390945.37239 600 | Entrep/ batiment et corps/ métiers corresp. | 1030319 | 109011.81542 | 711550.24454 | 2808784.442 | 729233.77 | 350449.88648000004 | 0 | 0 | 263587 | 6002936.158439999 700 | Commerce de gros(1) | 674585 | 291599.06827999995 | 952354.90876 | 4097032.977 | 3506808.23 | 1359146.4268 | 0 | 217797.84 | 11782 | 11111106.45084 800 | Commerce de détail(2) | 105321 | 461120.52403 | 195970.47025 | 3989980.142 | 4057719.65 | 510854.05 | 699.06 | 84072.17992 | 7260 | 9412997.076200001 900 | Rest/débits/boissons, casinos/activités/loterie | 98787 | 4123.83202 | 15906.198349999999 | 28264.149 | 22524.47 | 32312.986 | 0 | 0 | 0 | 201918.63537 1000 | Hotels,motels et pensions | 574918 | 0 | 30891.063149999998 | 1450360.295 | 60188.81 | 813842.034 | 315297.13 | 0 | 0 | 3245497.3321499997 1100 | Transport | 1560837 | 153123.54994 | 217895.63706 | 75192.216 | 651278.05 | 32294.282 | 0 | 0 | 0 | 2690620.7350000003 1200 | Immobilier résidentiel / Avance Hypothécaire | 1429818 | 311137.84364 | 1035465.75943 | 255469.533 | 1768911.73 | 408231.204 | 2524152.72 | 0 | 792510 | 8525696.790070001 1300 | Immobilier commercial | 899225 | 29941.753539999998 | 471503.20225 | 1304337.924 | 4761777.7 | 93245.402 | 1159031.32 | 0 | 13967 | 8733029.301789999 1400 | Télécommunications | 246900 | 0 | 3646.7466099999997 | 127224.312 | 183246.92 | 37915.403 | 0 | 0 | 153854 | 752787.38161 1500 | Services financiers | 85549 | 86594.69965000001 | 119656.60457 | 1649354.295 | 2336040.86 | 1336913.933 | 0 | 77535.02437 | 635599 | 6327243.41659 1510 | Services professionnels | 901730 | 27451.660809999998 | 53864.94053 | 598920.54 | 302508.24 | 198448.457 | 0 | 0 | 71030 | 2153953.8383400002 1520 | Services médicaux | 0 | 998.4891899999999 | 3483.65875 | 41120.732 | 24401.62 | 47191.427 | 0 | 0 | 1145 | 118340.92694 1530 | Services d'agence ou de représentation | 1521 | 1058.40156 | 0.74427 | 28684.531 | 24667.94 | 7378.231 | 0 | 0 | 0 | 63310.84783 1540 | Services d'enseignement | 23079 | 0 | 9464.889449999999 | 151258.693 | 8288.22 | 17053.249 | 0 | 0 | 7110 | 216254.05145 1550 | Autres services | 470208 | 17990.21457 | 11556.63282 | 1052832.902 | 318336 | 457638.73 | 0 | 0 | 13213 | 2341775.47939 1560 | Crédit à la consommation | 3382134 | 146726.18811000002 | 1039550.45393 | 2035162.21 | 1518853.34 | 178451.55 | 152863.59 | 0 | 638962 | 9092703.33204 1570 | Zone Franche | 0 | 0 | 281497.47002 | 334689.683 | 0 | 0 | 0 | 0 | 0 | 616187.1530200001 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 723382.11 | 0 | 0 | 0 | 0 | 723382.11 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 10703.32 | 0 | 0 | 0 | 0 | 10703.32 Total | 12540134 | 1659179.13607 | 6594332.10026 | 25788575.329999994 | 26460875.400000006 | 7302884.624279999 | 4178975.83 | 912983.38621 | 2979866 | 88417805.80681996 (1) Commerce de gros Import-export | 40997 | 38477.17 | 480886.19 | 926447.91 | 1599901.62 | 132487 | 0 | 0 | 0 | 3219196.89 Produits pétroliers | 0 | 0 | 0 | 3790.79 | 0 | 105931 | 0 | 0 | 0 | 109721.79 Produits pharmaceutiques | 0 | 0 | 0 | 140532.02 | 117279.92 | 12185 | 0 | 0 | 0 | 269996.94 Produits alimentaires | 425371 | 18893.67 | 303150.21 | 1883830.76 | 847937.12 | 440114 | 0 | 217797.84 | 3785 | 4140879.6 Matériaux de construction | 0 | 108378.09 | 0 | 277868.61 | 399763.72 | 492596 | 0 | 0 | 7997 | 1286603.42 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 208216 | 125850.13 | 168318.51 | 864563.89 | 541925.85 | 175833.6 | 0 | 0 | 0 | 2084707.98 S-Total | 674584 | 291599.06 | 952354.91 | 4097033.98 | 3506808.23 | 1359146.6 | - | 217797.84 | 11782 | 11111106.620000001 (2) Commerce de détail Produits pétroliers | 20448 | 6863.81 | 13448.94 | 120083.89 | 140973.02 | 13269 | 0 | 0 | 0 | 315086.66000000003 Produits pharmaceutiques | 8107 | 0 | 505.49 | 6260.02 | 8035.49 | 18334 | 0 | 0 | 1012 | 42254 Véhicules automobiles | 10931 | 0 | 16661.02 | 1255009.62 | 2177823.42 | 98846 | 0 | 0 | 0 | 3559271.06 Produits alimentaires | 2273 | 0 | 93322.98 | 1085500.09 | 542180.28 | 113031 | 0 | 0 | 4695 | 1841002.35 Librairie ,papeterie | 1231 | 0 | 1.33 | 37490.88 | 26491.31 | 13565 | 0 | 0 | 534 | 79313.52 Appareils électro- ménagers électroni.équip. inform. | 18163 | 0 | 32201.24 | 310677.73 | 217451.58 | 190078 | 0 | 84072.18 | 0 | 852643.73 Matériaux de construction | 0 | 1184.66 | 0 | 257614.67 | 347672.81 | 654 | 0 | 0 | 0 | 607126.14 Autres | 44169 | 438981.64 | 39829.46 | 917343.26 | 597091.74 | 63077 | 0 | 0 | 1020 | 2101512.1 S-Total | 105322 | 447030.11 | 195970.46 | 3989980.16 | 4057719.6500000004 | 510854 | - | 84072.18 | 7261 | 9398209.56 [Secteur d'activité sept. 16 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 septembre 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1.3426439350318606e-06 | 0.0003084411953050685 | 0 | 0 | 0 | 0 | 0 | 9.006232135412004e-05 200 | Industrie alimentaire | 0.007452870918285243 | 0.0034836524124156687 | 0.029009663091195768 | 0.01656013294783276 | 0.07018085539225961 | 0.048552511129800004 | 0.006444643638917624 | 0.1512622228245399 | 0.08036770780968003 | 0.037704382334749785 210 | Industrie des boissons | 0.00010940871923697147 | 0 | 0.0013791411642191062 | 0.03768666719907556 | 0.09391881078885242 | 0.019286789295796452 | - | 0.12845333416946186 | 0.022174151455132546 | 0.04288420011388172 220 | Industrie du bois | 0.0012311670672737628 | 0 | 0.0015184385132203466 | 0.00013986681907953233 | 0 | 0.00013279957850841932 | - | 0 | 0 | 0.0003396247345880616 230 | Industrie chimique | 0 | 0 | 0.0022201664577103657 | 0.012497958063819885 | 0.0028027228456697236 | 0.007761959269018113 | - | 0.1410113636946156 | 0 | 0.006746754998233483 240 | Industrie du textile | 0.0058419630922604176 | 0 | 0.01693394252400439 | 0.030279513622127656 | 0.00017446285998535025 | 0.027982701838199665 | - | 0 | 0.0024950786377642485 | 0.013370592393492907 250 | Industrie pharmacie | 0 | 0 | 0.0010183669957621979 | 0.0006838050871110298 | 9.694274891600901e-05 | 0.004442649948505617 | - | 0 | 0 | 0.0006713484758906043 260 | Imprimerie, édition | 0.0013385821873992735 | 0 | 0.0007303256882998227 | 0.006112284605991068 | 0.0013651252822875239 | 0.010640693095663045 | - | 0 | 0.0015081215061348396 | 0.003365309548396967 270 | Sidérurgie, aciérie | 0.027674026449797107 | 0 | 0.021725367018496297 | 0.017230478935495352 | 0.0028882649891469572 | 0.030243707023069052 | - | 0 | 0.016933311766368017 | 0.014503878493907212 280 | Industrie de la fabrication | 0.004904572790051525 | 0.00209235637944614 | 0.025451326767934945 | 0.051790518472196664 | 0.01349869362220722 | 0.021174852124306417 | - | 0 | 0.0006369413926666501 | 0.023548837421946044 290 | Autres industries | 0 | 0 | 0.02430483430364096 | 0.0051017735689705525 | 0.013863335375518223 | 0.009101819543883774 | - | 0.16370687074651932 | 0 | 0.009891772299245845 300 | Production et distribution de l'électricité | 0.03559347930412865 | 0 | 0.04860230583585006 | 0.04300870559180286 | 0.0024767434564919944 | 3.278184064473057e-05 | - | 0 | 0 | 0.02196114429442475 400 | Production et distribution de gaz | 0 | 0.0012002590116441663 | 0.0001325505626211238 | 9.711389512419416e-05 | 0.003375792699586952 | 0.01529741968380257 | - | 0 | 0 | 0.002334503500244956 500 | Traitement et distribution de l'eau | 0 | 0.004253942806150514 | 0.045352566824501964 | 0.0018538045777343067 | 0.001398463559523809 | 8.055720859180372e-07 | - | 0 | 0 | 0.004421568357443281 600 | Entrep/ batiment et corps/ métiers corresp. | 0.08216172171684928 | 0.06570225785156018 | 0.10790330752555595 | 0.10891584378189846 | 0.02755894349587542 | 0.047987871164615496 | - | 0 | 0.08845599097409078 | 0.06789284243894879 700 | Commerce de gros(1) | 0.05379408226419271 | 0.17574899656145238 | 0.1444202224395782 | 0.15887007810911907 | 0.1325280504514223 | 0.18611089955895338 | - | 0.2385561920290006 | 0.003953869066595612 | 0.12566593741441798 800 | Commerce de détail(2) | 0.008398714080726729 | 0.27792087906929025 | 0.029718016513343836 | 0.15471890521065093 | 0.15334789906459403 | 0.06995236489175204 | 0.00016728022090522595 | 0.09208511478944056 | 0.00243635116478392 | 0.10646042378348576 900 | Rest/débits/boissons, casinos/activités/loterie | 0.00787766701695532 | 0.0024854652100844746 | 0.0024121014999188245 | 0.001095994976004749 | 0.000851236765961265 | 0.004424688005143691 | - | 0 | 0 | 0.002283687471403247 1000 | Hotels,motels et pensions | 0.04584624055851397 | 0 | 0.004684487023148566 | 0.05624041950517474 | 0.0022746341188697025 | 0.11144117371020876 | 0.07544842153346458 | 0 | 0 | 0.03670637721140625 1100 | Transport | 0.12446733025340878 | 0.09228873881737372 | 0.033042866775152085 | 0.0029157181053165227 | 0.024612868627921506 | 0.004422126825423308 | - | 0 | 0 | 0.030430756683541945 1200 | Immobilier résidentiel | 0.1140193557740292 | 0.18752516643680434 | 0.1570235990069675 | 0.009906306561371417 | 0.06685008350101673 | 0.05589999363302937 | 0.6040122802050282 | 0 | 0.2659549120665157 | 0.09642511157421627 1300 | Immobilier commercial | 0.07170776644013532 | 0.018046124670372404 | 0.07150128247732772 | 0.05057813032744994 | 0.17995541069665438 | 0.012768297295836464 | 0.27734817504316606 | 0 | 0.004687123514950001 | 0.09877002965749226 1400 | Télécommunications | 0.019688784824787357 | 0 | 0.0005530122769910567 | 0.004933359457511375 | 0.006925202482152196 | 0.00519183924581557 | - | 0 | 0.05163118073094562 | 0.00851397944950965 1500 | Services financiers | 0.006822016415454572 | 0.05219129011898726 | 0.0181453713205136 | 0.06395678217560537 | 0.08828282604739522 | 0.18306655544784922 | - | 0.0849249017464221 | 0.21329784627899376 | 0.07156073778186835 1510 | Services professionnels | 0.0719075250711037 | 0.016545326669803195 | 0.008168369398301342 | 0.023224258507342683 | 0.011432283906979129 | 0.02717398222891482 | 0 | 0 | 0.023836642318815677 | 0.024361086759448383 1520 | Services médicaux | 0 | 0.0006017970985128601 | 0.0005282807564184774 | 0.0015945329074523952 | 0.0009221773516986514 | 0.006462025545782557 | 0 | 0 | 0.0003842454660712931 | 0.001338428678026208 1530 | Services d'agence ou de représentation | 0.00012129056994127815 | 0.0006379067437570204 | 1.1286510728973675e-07 | 0.0011122960703700108 | 0.0009322420224993763 | 0.0010103173443914881 | 0 | 0 | 0 | 0.0007160418340206834 1540 | Services d'enseignement | 0.0018404109557361987 | 0 | 0.0014353067613362724 | 0.00586533730787524 | 0.0003132254649443683 | 0.002335138767399232 | 0 | 0 | 0.002386013330800781 | 0.002445820154398353 1550 | Autres services | 0.037496250040071344 | 0.010842840401556858 | 0.0017525099804337045 | 0.040825555057910995 | 0.012030440988358228 | 0.06266547447271484 | 0 | 0 | 0.004434092002794756 | 0.026485338083444852 1560 | Crédit à la consommation | 0.26970477348966126 | 0.08843299974078851 | 0.1576430240583444 | 0.07891720205390658 | 0.05739996568669832 | 0.024435761918886096 | 0.03657919935851842 | 0 | 0.21442642051689573 | 0.1028379210394141 Zone Franche | 0 | 0 | 0.042687790930168834 | 0.012978215303373258 | 0 | 0 | 0 | 0 | 0 | 0.006969039181613253 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0.02733779964059692 | 0 | 0 | 0 | 0 | 0.008181407618059248 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 0.000404496065916247 | 0 | 0 | 0 | 0 | 0.00012105389748514226 Total | 0.9999999999999999 | 0.9999999999999999 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1.0000000000000004 (1) Commerce de gros Import-export | 0.0032692633109024194 | 0.023190485682660286 | 0.07292416922420994 | 0.03592474179534291 | 0.060462913483202436 | 0.018141735330107597 | - | 0 | 0 | 0.03640892081209838 Produits pétroliers | 0 | 0 | 0 | 0.00014699493676915734 | 0 | 0.014505364037631072 | - | 0 | 0 | 0.001240946764045764 Produits pharmaceutiques | 0 | 0 | 0 | 0.005449390600360862 | 0.004432201060135749 | 0.001668518760311284 | - | 0 | 0 | 0.0030536489515460724 Produits alimentaires | 0.03392076990564854 | 0.011387359923505501 | 0.045971328921703455 | 0.07304904345795826 | 0.03204493831674215 | 0.06026577477846864 | - | 0.2385561920290006 | 0.0012701913441745367 | 0.04683309614182487 Matériaux de construction | 0 | 0.06532030667689614 | 0 | 0.010774872455895378 | 0.01510772844650483 | 0.06745225008242078 | - | 0 | 0.0026836777224210754 | 0.014551406340155525 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.016603969303677298 | 0.07585083928797091 | 0.025524724481705067 | 0.03352507375598403 | 0.02048026914483713 | 0.02407728028666969 | - | 0 | 0 | 0.02357792031793668 S-Total | 0.05379400252022826 | 0.17574899157103285 | 0.14442022262761847 | 0.15887011700231057 | 0.1325280504514223 | 0.18611092327560907 | - | 0.2385561920290006 | 0.003953869066595612 | 0.12566593932760728 (2) Commerce de détail Produits pétroliers | 0.0016306045852460588 | 0.004136870968771886 | 0.0020394696226278533 | 0.004656476306401686 | 0.005327602275773535 | 0.001816953256509678 | - | 0 | 0 | 0.0035636109392764 Produits pharmaceutiques | 0.0006464843198645245 | 0 | 7.665522335159154e-05 | 0.00024274392516432204 | 0.00030367438259431125 | 0.002510514809318595 | - | 0 | 0.0003396125866062434 | 0.0004778901671945902 Véhicules automobiles | 0.0008716812754951422 | 0 | 0.002526566716186935 | 0.04866533354171141 | 0.08230352877894581 | 0.013535199456850977 | - | 0 | 0 | 0.040255138968009335 Produits alimentaires | 0.00018125803121402052 | 0 | 0.014151998804597736 | 0.042092286065032514 | 0.02048988447298308 | 0.01547758260129214 | - | 0 | 0.0015755742036722457 | 0.020821624481638035 Librairie ,papeterie | 9.816482024833227e-05 | 0 | 2.0168835596671893e-07 | 0.0014537786411328681 | 0.0010011501735879833 | 0.0018574851853608999 | - | 0 | 0.00017920268897997428 | 0.0008970310818760703 Appareils électro- ménagers électroni.équip. inform. | 0.001448389626458537 | 0 | 0.004883169289992292 | 0.012047107140447065 | 0.008217852837929918 | 0.02602779720331951 | - | 0.09208511487706537 | 0 | 0.00964334866964356 Matériaux de construction | 0 | 0.0007140036746158914 | 0 | 0.009989488240566566 | 0.01313912728677147 | 0 | - | 0 | 0 | 0.006866559676073417 Autres | 0.003522211166164572 | 0.26457760374192624 | 0.00603995361386631 | 0.03557169204817799 | 0.02256507885600791 | 0.008637271878880168 | - | 0 | 0.0003422972710853441 | 0.02376797389194998 S-Total | 0.008398793824691188 | 0.26942847838531403 | 0.029718014958978686 | 0.15471890590863444 | 0.15334789906459403 | 0.06986280439153196 | - | 0.09208511487706537 | 0.0024366867503438075 | 0.10629317787566138 [Secteur d'activité sept.16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 septembre 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 779906 | 752719.59231 | 1148325.37901 | 8087013.119 | 7564527.88 | 1870000.4768 | 699.06 | 301870.01992 | 19042 | 20524103.527039997 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2155792 | 138217.2978 | 244824.73188999997 | 5000796.137 | 3096956.16 | 2910779.047 | 315297.13 | 77535.02437 | 728097 | 14668294.52806 Industries Manufacturières ( 200 à 290 ) | 608856 | 9251.597450000001 | 1101117.3765099999 | 4927196.5260000015 | 5260136.620000001 | 1309556.797 | 26932.01 | 533578.34192 | 369847 | 14146472.268880002 Prêts aux Particuliers ( 1560 ) | 3382134 | 146726.18811000002 | 1039550.45393 | 2035162.21 | 1518853.34 | 178451.55 | 152863.59 | 0 | 638962 | 9092703.33204 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2329043 | 341079.59718 | 1506968.96168 | 1559807.4570000002 | 6530689.43 | 501476.606 | 3683184.04 | 0 | 806477 | 17258726.09186 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1807737 | 153123.54994 | 221542.38367 | 202416.528 | 834524.9700000001 | 70209.685 | 0 | 0 | 153854 | 3443408.1166100004 Bâtiments et Travaux Publics ( 600 ) | 1030319 | 109011.81542 | 711550.24454 | 2808784.442 | 729233.77 | 350449.88648000004 | 0 | 0 | 263587 | 6002936.158439999 Électricité, Gaz et Eau ( 300 à 500 ) | 446347 | 9049.497860000001 | 620443.71519 | 1159444.652 | 191867.8 | 111960.576 | 0 | 0 | 0 | 2539113.24105 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 8.85384 | 7954.259 | 734085.4299999999 | 0 | 0 | 0 | 0 | 742048.5428399999 Total | 12540134 | 1659179.13607 | 6594332.10026 | 25788575.33 | 26460875.4 | 7302884.624279999 | 4178975.83 | 912983.38621 | 2979866 | 88417805.80682 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.06219279634491944 | 0.4536698756307427 | 0.17413823895292202 | 0.3135889833197699 | 0.2858759495160164 | 0.25606326445070543 | 0.00016728022090522595 | 0.33064130681844117 | 0.006390220231379532 | 0.23212636119790359 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.17191140062777638 | 0.08330462624270167 | 0.03712653960517807 | 0.19391517650773615 | 0.11703906666670598 | 0.3985793555224046 | 0.07544842153346458 | 0.0849249017464221 | 0.24433883939747628 | 0.16589751797401625 Industries Manufacturières ( 200 à 290 ) | 0.0485525912243043 | 0.005576008791861809 | 0.166979363454653 | 0.19106121462507336 | 0.1987892139048431 | 0.17932048284675056 | 0.006444643638917624 | 0.5844337914351367 | 0.12411531256774634 | 0.15999573999594582 Prêts aux Particuliers ( 1560 ) | 0.26970477348966126 | 0.08843299974078851 | 0.1576430240583444 | 0.07891720205390657 | 0.05739996568669834 | 0.024435761918886096 | 0.03657919935851842 | 0 | 0.21442642051689573 | 0.10283792103941405 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.18572712221416454 | 0.20557129110717673 | 0.2285248814842952 | 0.06048443688882135 | 0.24680549419767117 | 0.06866829092886584 | 0.8813604552481942 | 0 | 0.27064203558146577 | 0.19519514123170842 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.14415611507819615 | 0.09228873881737372 | 0.03359587905214314 | 0.007849077562827897 | 0.03153807111007371 | 0.00961396607123888 | 0 | 0 | 0.05163118073094562 | 0.03894473613305158 Bâtiments et Travaux Publics ( 600 ) | 0.08216172171684928 | 0.06570225785156018 | 0.10790330752555595 | 0.10891584378189843 | 0.027558943495875426 | 0.047987871164615496 | 0 | 0 | 0.08845599097409078 | 0.06789284243894876 Électricité, Gaz et Eau ( 300 à 500 ) | 0.03559347930412865 | 0.005454201817794681 | 0.09408742322297316 | 0.04495962406466135 | 0.007250999715602758 | 0.01533100709653322 | 0 | 0 | 0 | 0.028717216152112975 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1.3426439350318606e-06 | 0.00030844119530506846 | 0.02774229570651317 | 0 | 0 | 0 | 0 | 0.008392523836898504 Total | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1.0000000000000002 | 1 [Secteur d'activité juin 16 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 7641.554 | 82076.32 | 2003.886 | 0 | 0 | 0 | 91721.76000000001 200 | Industrie alimentaire | 351505 | 5780.0034000000005 | 232348 | 429346.733 | 1268610.73 | 194407.615 | 0 | 140535.88934 | 192385 | 2814918.9707400007 210 | Industrie des boissons | 1228 | 0 | 3085 | 982813.872 | 2130703.81 | 140909.228 | 0 | 244488.9683 | 69130 | 3572358.8783 220 | Industrie du bois | 13139 | 48.68306 | 143 | 1209.002 | 0 | 1121.229 | 0 | 0 | 0 | 15660.91406 230 | Industrie chimique | 0 | 0 | 26599 | 331900.712 | 71039.18 | 86674.929 | 0 | 135024.67799 | 0 | 651238.49899 240 | Industrie du textile | 252664 | 0 | 211570 | 772048.106 | 123954.46 | 185900.851 | 0 | 0 | 10987 | 1557124.4170000001 250 | Industrie pharmacie | 0 | 0 | 153 | 10601.085 | 8798.7 | 31009.916 | 0 | 0 | 0 | 50562.701 260 | Imprimerie, édition | 426110 | 133.4868 | 6621 | 165027.037 | 121272.84 | 56677.751 | 0 | 0 | 4565 | 780407.1148000001 270 | Sidérurgie, aciérie | 0 | 0 | 141486 | 455702.936 | 81269.24 | 286892.94 | 0 | 0 | 50312 | 1015663.1159999999 280 | Industrie de la fabrication | 62125 | 3571.18483 | 107245 | 1097222.513 | 410160.21 | 106405.657 | 0 | 2209.39352 | 5077 | 1794015.95835 290 | Autres industries | 0 | 0 | 15719 | 126722.53 | 397161.27 | 63180.634 | 0 | 0 | 0 | 602783.434 300 | Production et distribution de l'électricité | 308289 | 0 | 287232 | 1090414.871 | 62893.9 | 238.801 | 0 | 78439.51105 | 0 | 1827508.08305 400 | Production et distribution de gaz | 0 | 2366.73555 | 1390 | 2966.934 | 112584.23 | 110029.288 | 0 | 0 | 0 | 229337.18755 500 | Traitement et distribution de l'eau | 0 | 5446.20654 | 329288 | 49519.873 | 38727.42 | 0 | 0 | 0 | 0 | 422981.49954 600 | Entrep/ batiment et corps/ métiers corresp. | 1037167 | 103320.80734 | 630040 | 2922712.673 | 558558.42 | 322399.079 | 0 | 0 | 343891 | 5918088.97934 700 | Commerce de gros(1) | 795584 | 302411.91104000004 | 937466 | 3955374.707 | 2904491.1 | 901101.56 | 0 | 0 | 38436 | 9834865.278040001 800 | Commerce de détail(2) | 112223 | 309282.21386 | 252270 | 3540223.815 | 3838202.34 | 590120.703 | 976.35 | 219335.64534000002 | 7112 | 8869746.0672 900 | Rest/débits/boissons, casinos/activités/loterie | 96038 | 0 | 16459 | 24265.352 | 22399.4 | 34664.245 | 0 | 0 | 40 | 193865.997 1000 | Hotels,motels et pensions | 395855 | 0 | 31067 | 1397934.103 | 59244.35 | 784205.434 | 317525.88 | 0 | 0 | 2985831.767 1100 | Transport | 1554313 | 152884.53365 | 92419 | 61328.091 | 655729.32 | 35197.837 | 0 | 266599.47722 | 0 | 2818471.25887 1200 | Immobilier résidentiel / Avance Hypothécaire | 1394969 | 313445.49375 | 820815 | 258007.947 | 1570107.39 | 408753.777 | 2428502.02 | 0 | 799993 | 7994593.62775 1300 | Immobilier commercial | 679838 | 30206.472719999998 | 299085 | 994917.856 | 4708091.56 | 65250.352 | 1166713.92 | 0 | 19914 | 7964017.16072 1400 | Télécommunications | 309684 | 0 | 1937 | 149013.612 | 206746.26 | 748.646 | 0 | 0 | 238979 | 907108.5179999999 1500 | Services financiers | 87834 | 97327.28409 | 126258 | 1372830.564 | 1905198.12 | 1265374.71 | 0 | 0 | 1032237 | 5887059.6780900005 1510 | Services professionnels | 907374 | 27184.64624 | 126959 | 576492.22 | 170534.24 | 170042.2 | 0 | 0 | 72278 | 2050864.30624 1520 | Services médicaux | 0 | 1101.76905 | 3510 | 42628.315 | 4106.41 | 45914.378 | 0 | 0 | 1380 | 98640.87205 1530 | Services d'agence ou de représentation | 1729 | 1058.40156 | 16 | 19665.103 | 18428.8 | 72.765 | 0 | 0 | 0 | 40970.06956 1540 | Services d'enseignement | 24706 | 0 | 17421 | 157030.586 | 7961.86 | 18295.095 | 0 | 0 | 6766 | 232180.541 1550 | Autres services | 478400 | 52582.514950000004 | 5622 | 1151037.549 | 393967.7 | 441943.405 | 0 | 328.07344 | 13340 | 2537221.24239 1560 | Crédit à la consommation | 2860353 | 176196.2454 | 1006378 | 1832483.071 | 1455189.48 | 226771.87 | 215797.89 | 7594.5109 | 622651 | 8403415.0673 1570 | Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1580 | Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 1590 | Entreprises Agricoles | 0 | 0 | 0 | 0 | 729409.43 | 0 | 0 | 0 | 0 | 729409.43 1600 | Entreprises d'Elevage | 0 | 0 | 0 | 0 | 2215.05 | 0 | 0 | 0 | 0 | 2215.05 Total | 12151127 | 1584348.5938299997 | 5730601 | 23979083.321999993 | 24119833.540000003 | 6576308.780999999 | 4129516.06 | 1094556.1471000002 | 3529473 | 82894847.44393001 (1) Commerce de gros Import-export | 8678 | 38282.444729999996 | 754600 | 974884.688 | 1203274.73 | 134705 | 0 | 0 | 0 | 3114424.86273 Produits pétroliers | 111145 | 0 | 0 | 5212.261 | 0 | 35282 | 0 | 0 | 0 | 151639.261 Produits pharmaceutiques | 0 | 361.83167 | 0 | 141785.045 | 108152.28 | 12979 | 0 | 0 | 0 | 263278.15667000005 Produits alimentaires | 447832 | 19235.82991 | 172249 | 1877821.23 | 603263.2 | 338755 | 0 | 0 | 3659 | 3462815.2599099996 Matériaux de construction | 0 | 104410.31911 | 0 | 142653.666 | 441951.57 | 372745 | 0 | 0 | 34777 | 1096537.55511 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 227930 | 140121.48562 | 10616 | 813017.817 | 547849.32 | 6635 | 0 | 0 | 0 | 1746169.62262 S-Total | 795585 | 302411.91104 | 937465 | 3955374.7070000004 | 2904491.0999999996 | 901101 | - | 0 | 38436 | 9834864.718039999 (2) Commerce de détail Produits pétroliers | 21692 | 7117.233179999999 | 10634 | 120698.032 | 120499.19 | 10790 | 0 | 0 | 0 | 291430.45518 Produits pharmaceutiques | 0 | 0 | 187 | 7206.571 | 1025.43 | 19419 | 0 | 0 | 733 | 28571.001 Véhicules automobiles | 18156 | 0 | 27493 | 915218.07 | 1960724.54 | 118790 | 0 | 0 | 0 | 3040381.61 Produits alimentaires | 19 | 0 | 156672 | 809466.819 | 472160.61 | 167918 | 0 | 0 | 5241 | 1611477.429 Librairie ,papeterie | 1255 | 0 | 21 | 43520.698 | 36348.78 | 13099 | 0 | 0 | 658 | 94902.478 Appareils électro- ménagers électroni.équip. inform. | 17272 | 0 | 31222 | 289345.54 | 191049.31 | 190590 | 0 | 21780.72068 | 0 | 741259.57068 Matériaux de construction | 0 | 1253.0785700000001 | 0 | 321784.218 | 259718.9 | 18 | 0 | 1528.38466 | 0 | 584302.58123 Autres | 53831 | 287389.71361000004 | 26042 | 1032983.866 | 796675.59 | 69497 | 0 | 0 | 482 | 2266901.16961 S-Total | 112225 | 295760.02536 | 252271 | 3540223.814 | 3838202.3499999996 | 590121 | - | 23309.10534 | 7114 | 8659226.2947 [Secteur d'activité juin 16 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 juin 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.00031867581831158384 | 0.0034028559883668252 | 0.0003047128817596803 | 0 | 0 | 0 | 0.0011064832474906297 200 | Industrie alimentaire | 0.02892776941595623 | 0.003648189181667045 | 0.040545136539780036 | 0.017905051966940245 | 0.0525961643929322 | 0.029561813697324326 | 0 | 0.12839532235266907 | 0.05450813761714567 | 0.03395770735501997 210 | Industrie des boissons | 0.00010106058475069844 | 0 | 0.0005383379509409222 | 0.04098629871719498 | 0.08833824688161591 | 0.02142679620018895 | - | 0.22336813780432146 | 0.019586493507670975 | 0.04309506547697479 220 | Industrie du bois | 0.0010812988786966017 | 3.0727492793939816e-05 | 2.4953752669222653e-05 | 5.0419024937904185e-05 | 0 | 0.00017049518770155818 | - | 0 | 0 | 0.00018892506039766855 230 | Industrie chimique | 0 | 0 | 0.004641572498242331 | 0.01384125938190024 | 0.0029452599613587543 | 0.01317987519844227 | - | 0.12336021166912688 | 0 | 0.007856199981916813 240 | Industrie du textile | 0.020793462203135563 | 0 | 0.03691933882676529 | 0.032196731444344755 | 0.005139109264350255 | 0.0282682667725544 | - | 0 | 0.0031129293240095618 | 0.018784332983461216 250 | Industrie pharmacie | 0 | 0 | 2.669877033839906e-05 | 0.0004420971751774124 | 0.0003647910747563144 | 0.004715398414623197 | - | 0 | 0 | 0.0006099619283840357 260 | Imprimerie, édition | 0.03506752912713364 | 8.425342788818298e-05 | 0.0011553761987617005 | 0.006882124507595055 | 0.005027930221777143 | 0.00861847472304692 | - | 0 | 0.0012933942262768408 | 0.009414422474543627 270 | Sidérurgie, aciérie | 0 | 0 | 0.024689556994109345 | 0.019004185017444268 | 0.0033693947292473725 | 0.04362522344280416 | - | 0 | 0.014254819345551022 | 0.012252427591316738 280 | Industrie de la fabrication | 0.005112694485046531 | 0.0022540398267827085 | 0.0187144419930824 | 0.045757483647981476 | 0.017005101188604637 | 0.016180149160182816 | - | 0.002018529178109076 | 0.0014384583760805084 | 0.021642068399528334 290 | Autres industries | 0 | 0 | 0.002742993274178398 | 0.005284711191763381 | 0.016466169608565215 | 0.009607309526362098 | - | 0 | 0 | 0.007271663469888428 300 | Production et distribution de l'électricité | 0.025371226882905593 | 0 | 0.05012249151528784 | 0.04547358447182931 | 0.0026075594549895055 | 3.63123156093178e-05 | - | 0.07166330503722772 | 0 | 0.022046099840959652 400 | Production et distribution de gaz | 0 | 0.0014938224827647684 | 0.00024255745601552088 | 0.00012373008426381084 | 0.004667703440543727 | 0.01673116206433191 | - | 0 | 0 | 0.0027666036505480445 500 | Traitement et distribution de l'eau | 0 | 0.0034375052063727696 | 0.057461337824776144 | 0.0020651278589355914 | 0.0016056255088068901 | 0 | - | 0 | 0 | 0.005102627154553897 600 | Entrep/ batiment et corps/ métiers corresp. | 0.08535562174603228 | 0.06521343077045474 | 0.10994309322879049 | 0.12188592173240044 | 0.023157639917941158 | 0.04902432196180663 | - | 0 | 0.09743409285182235 | 0.07139272417797728 700 | Commerce de gros(1) | 0.06547409141555346 | 0.19087460437538584 | 0.16358947342521316 | 0.16495103894864396 | 0.12041920169901801 | 0.13702239204512806 | - | 0 | 0.010890011058308138 | 0.11864266092886284 800 | Commerce de détail(2) | 0.009235604236545302 | 0.19521096245135175 | 0.04402156074031328 | 0.1476379963095572 | 0.15913054846065905 | 0.08973433618338489 | 0.00023643206269550142 | 0.20038775162071354 | 0.00201503170586657 | 0.10699996852276598 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007903629021406821 | 0 | 0.002872124581697452 | 0.0010119382661195127 | 0.0009286714173567219 | 0.005271079286932286 | - | 0 | 1.133313670341153e-05 | 0.0023386977957964247 1000 | Hotels,motels et pensions | 0.03257763662580434 | 0 | 0.005421246392830351 | 0.0582980627002302 | 0.002456250367638316 | 0.11924705182118184 | 0.07689178959144186 | 0 | 0 | 0.03601950976530373 1100 | Transport | 0.12791513083518918 | 0.0964967774424045 | 0.016127278796761457 | 0.0025575661161214435 | 0.02718631199973032 | 0.005352217812778522 | - | 0.24356857154048134 | 0 | 0.034000560297507164 1200 | Immobilier résidentiel | 0.11480161469796177 | 0.19783871742031076 | 0.14323366781250343 | 0.010759708514932532 | 0.06509611218486044 | 0.06215550251851839 | 0.5880839267156162 | 0 | 0.22666075076930747 | 0.09644258810123915 1300 | Immobilier commercial | 0.05594855522454831 | 0.01906554708833298 | 0.05219086095856264 | 0.041491071307433874 | 0.19519585623143562 | 0.009922032886977364 | 0.282530423189588 | 0 | 0.005642202107793429 | 0.09607372962604042 1400 | Télécommunications | 0.025486031048807242 | 0 | 0.0003380099225194705 | 0.006214316452342658 | 0.008571628807352042 | 0.00011383984921191007 | - | 0 | 0.0677095419061146 | 0.01094288180714208 1500 | Services financiers | 0.007228465310254761 | 0.061430473362381256 | 0.022032244087487506 | 0.05725116951157489 | 0.0789888585607544 | 0.1924141265470789 | - | 0 | 0.29246207578298516 | 0.07101840294804815 1510 | Services professionnels | 0.07467406109737805 | 0.017158248093801072 | 0.022154569826096773 | 0.024041461979953504 | 0.007070290917107216 | 0.025856784658785936 | 0 | 0 | 0.020478411366229462 | 0.024740552271686155 1520 | Services médicaux | 0 | 0.0006954082291552939 | 0.0006125012018809196 | 0.001777729132826774 | 0.00017025034576586051 | 0.00698178560785557 | 0 | 0 | 0.0003909932162676978 | 0.001189951789424796 1530 | Services d'agence ou de représentation | 0.00014229132820354852 | 0.0006680357871504927 | 2.792028270682255e-06 | 0.0008200940267786607 | 0.0007640517074646443 | 1.1064717674180637e-05 | 0 | 0 | 0 | 0.0004942414495389731 1540 | Services d'enseignement | 0.00203322704140941 | 0 | 0.0030399952814722225 | 0.006548648415426698 | 0.0003300959762759623 | 0.002781970191676133 | 0 | 0 | 0.00191700007338206 | 0.002800904376560276 1550 | Autres services | 0.03937083366835027 | 0.03318872826016602 | 0.0009810489336109774 | 0.04800173274113287 | 0.016333765295131468 | 0.0672023500898931 | 0 | 0.0002997319423669792 | 0.003779601090587745 | 0.030607707482737976 1560 | Crédit à la consommation | 0.2353981651249304 | 0.11121052910083615 | 0.17561473918704165 | 0.07642006353590503 | 0.06033165517443284 | 0.03448315423618489 | 0.0522574284406585 | 0.0069384388549837955 | 0.1764147225378973 | 0.1013743957124001 Zone Franche | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Parc Industriel | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Entreprises Agricoles | 0 | 0 | 0 | 0 | 0.03024106401026182 | 0 | 0 | 0 | 0 | 0.00879921312954188 Entreprises d'Elevage | 0 | 0 | 0 | 0 | 9.183521089922082e-05 | 0 | 0 | 0 | 0 | 2.6721202442627783e-05 Total | 1 | 1.0000000000000002 | 1 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1 | 0.9999999999999998 | 0.9999999999999998 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.0007141724384906848 | 0.024162892484068877 | 0.13167903331605185 | 0.04065562786153616 | 0.04988735631216134 | 0.02048337517076208 | - | 0 | 0 | 0.03757078948527644 Produits pétroliers | 0.009146888185762522 | 0 | 0 | 0.0002173669831330845 | 0 | 0.0053650157215755 | - | 0 | 0 | 0.0018292965808588842 Produits pharmaceutiques | 0 | 0.00022837882484264978 | 0 | 0.005912863435856076 | 0.004483956318381789 | 0.001973599542268817 | - | 0 | 0 | 0.003176049715853342 Produits alimentaires | 0.03685518223947458 | 0.012141160086177348 | 0.030057754849796732 | 0.07831080132563545 | 0.025011084715802722 | 0.051511419442273915 | - | 0 | 0.0010366986799445696 | 0.04177358866909363 Matériaux de construction | 0 | 0.06590110252037325 | 0 | 0.005949087547859684 | 0.018323160036203132 | 0.056679972369442194 | - | 0 | 0.009853312378363569 | 0.013228054443935093 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.018757930848718806 | 0.08844107045992367 | 0.0018525107575976761 | 0.03390529179462352 | 0.022713644316469023 | 0.0010089246446531783 | - | 0 | 0 | 0.021064875278298898 S-Total | 0.0654741737124466 | 0.19087460437538578 | 0.16358929892344626 | 0.164951038948644 | 0.120419201699018 | 0.1370223068909757 | - | 0 | 0.01089001105830814 | 0.11864265417331629 (2) Commerce de détail Produits pétroliers | 0.0017851842055473536 | 0.004492214155216195 | 0.0018556517894021936 | 0.00503347147925641 | 0.004995854958955906 | 0.0016407380430757791 | - | 0 | 0 | 0.003515664292368995 Produits pharmaceutiques | 0 | 0 | 3.263183041359885e-05 | 0.00030053571703419606 | 4.251397499487055e-05 | 0.0029528722945772524 | - | 0 | 0.00020767973009001628 | 0.0003446655839414554 Véhicules automobiles | 0.0014941823914769387 | 0 | 0.004797577077866702 | 0.038167350173904206 | 0.08129096482976805 | 0.0180633245724719 | - | 0 | 0 | 0.036677570485385246 Produits alimentaires | 1.5636409692697641e-06 | 0 | 0.02733954082652064 | 0.033757204482347404 | 0.019575616441007988 | 0.025533776711510536 | - | 0 | 0.0014849242365644955 | 0.019440019237504498 Librairie ,papeterie | 0.00010328260086492389 | 0 | 3.6645371052704594e-06 | 0.001814944191801996 | 0.0015070079127917561 | 0.001991846860634813 | - | 0 | 0.00018643009877111966 | 0.0011448537626441973 Appareils électro- ménagers électroni.équip. inform. | 0.001421431937959335 | 0 | 0.005448294166702585 | 0.012066580532481627 | 0.007920838660978586 | 0.028981303394792653 | - | 0.019899135131356657 | 0 | 0.008942167016850923 Matériaux de construction | 0 | 0.0007909108985736603 | 0 | 0.013419371111020493 | 0.010767856236208502 | 0 | - | 0.0013963510817141887 | 0 | 0.007048720146631811 Autres | 0.004430124053513719 | 0.18139298051526967 | 0.004544375014069205 | 0.043078538580007875 | 0.033029895860549954 | 0.010567782370680021 | - | 0 | 0.00013656429727610894 | 0.027346707781123906 S-Total | 0.009235768830331541 | 0.18667610556905953 | 0.044021735242080196 | 0.14763799626785418 | 0.15913054887525563 | 0.08973164424774295 | - | 0.021295486213070845 | 0.0020155983627017406 | 0.10446036830645103 [Secteur d'activité juin 16 glo] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 907807 | 611694.1249 | 1189736 | 7495598.522 | 6742693.4399999995 | 1491222.263 | 976.35 | 219335.64534000002 | 45548 | 18704611.34524 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1991936 | 179254.61589000002 | 327312 | 4741883.791999999 | 2581840.88 | 2760512.232 | 317525.88 | 328.07344 | 1126041 | 14026634.47333 Industries Manufacturières ( 200 à 290 ) | 1106771 | 9533.358090000002 | 744969 | 4372594.526000001 | 4612970.440000001 | 1153180.75 | 0 | 522258.92915 | 332456 | 12854734.003240002 Prêts aux Particuliers ( 1560 ) | 2860353 | 176196.2454 | 1006378 | 1832483.071 | 1455189.48 | 226771.87 | 215797.89 | 7594.5109 | 622651 | 8403415.0673 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 2074807 | 343651.96647000004 | 1119900 | 1252925.803 | 6278198.949999999 | 474004.129 | 3595215.94 | 0 | 819907 | 15958610.788469998 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 1863997 | 152884.53365 | 94356 | 210341.70299999998 | 862475.58 | 35946.483 | 0 | 266599.47722 | 238979 | 3725579.77687 Bâtiments et Travaux Publics ( 600 ) | 1037167 | 103320.80734 | 630040 | 2922712.673 | 558558.42 | 322399.079 | 0 | 0 | 343891 | 5918088.97934 Électricité, Gaz et Eau ( 300 à 500 ) | 308289 | 7812.9420900000005 | 617910 | 1142901.6779999998 | 214205.55 | 110268.089 | 0 | 78439.51105 | 0 | 2479826.7701399997 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7641.554 | 813700.8 | 2003.886 | 0 | 0 | 0 | 823346.2400000001 Total | 12151127 | 1584348.5938300004 | 5730601 | 23979083.322 | 24119833.540000003 | 6576308.7809999995 | 4129516.06 | 1094556.1471 | 3529473 | 82894847.44392999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.07470969565209877 | 0.3860855668267374 | 0.20761103416552645 | 0.3125890352582011 | 0.27954975015967704 | 0.22675672822851292 | 0.00023643206269550142 | 0.20038775162071357 | 0.012905042764174708 | 0.2256426294516289 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1639301440928072 | 0.1131408937326541 | 0.05711652233334689 | 0.197750836774043 | 0.10704223458749457 | 0.41976621292107785 | 0.07689178959144186 | 0.00029973194236697923 | 0.31903941466615554 | 0.16920996787909653 Industries Manufacturières ( 200 à 290 ) | 0.09108381469471927 | 0.006017209929131875 | 0.12999840679886804 | 0.1823503620752797 | 0.19125216732320785 | 0.17535380232323067 | 0 | 0.4771422010042266 | 0.09419423239673458 | 0.1550727747214317 Prêts aux Particuliers ( 1560 ) | 0.2353981651249304 | 0.1112105291008361 | 0.17561473918704165 | 0.076420063535905 | 0.06033165517443284 | 0.034483154236184886 | 0.0522574284406585 | 0.006938438854983797 | 0.1764147225378973 | 0.10137439571240013 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.17075016992251008 | 0.21690426450864367 | 0.19542452877106606 | 0.05225077982236639 | 0.26029196841629604 | 0.07207753540549575 | 0.8706143499052041 | 0 | 0.23230295287710093 | 0.19251631772727962 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.15340116188399644 | 0.09649677744240445 | 0.016465288719280928 | 0.008771882568464099 | 0.03575794080708236 | 0.005466057661990431 | 0 | 0.2435685715404814 | 0.0677095419061146 | 0.04494344210464926 Bâtiments et Travaux Publics ( 600 ) | 0.08535562174603228 | 0.06521343077045472 | 0.10994309322879049 | 0.1218859217324004 | 0.023157639917941158 | 0.04902432196180662 | 0 | 0 | 0.09743409285182235 | 0.0713927241779773 Électricité, Gaz et Eau ( 300 à 500 ) | 0.025371226882905593 | 0.004931327689137536 | 0.1078263867960795 | 0.047662442415028684 | 0.008880888404340122 | 0.016767474379941225 | 0 | 0.07166330503722773 | 0 | 0.0299153306460616 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 0.00031867581831158373 | 0.033735755209527866 | 0.00030471288175968025 | 0 | 0 | 0 | 0.00993241757947514 Total | 1 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1 | 0.9999999999999999 | 1 [Secteur d'activité mars 16] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 7534.67 | 87434.12 | 2000 | 0 | 0 | 0 | 96968.79 200 | Industrie alimentaire | 363609 | 5780 | 225599 | 423391.53 | 1558843.45 | 134810.04 | 20812.35 | 260667.81 | 160516 | 3154029.18 210 | Industrie des boissons | 1263 | 0 | 3173 | 879171.91 | 2799602.62 | 141517.82 | 0 | 244944.87 | 72183 | 4141856.22 220 | Industrie du bois | 18147 | 73.09 | 6778 | 922.01 | 0 | 0 | 0 | 0 | 0 | 25920.1 230 | Industrie chimique | 0 | 0 | 24318 | 289241.07 | 120456.73 | 91586.99 | 0 | 168523.45 | 0 | 694126.24 240 | Industrie du textile | 257038 | 0 | 229610 | 785562.47 | 127295.25 | 208975.28 | 0 | 0 | 11297 | 1619778 250 | Industrie pharmacie | 0 | 0 | 5461 | 9953.67 | 15734.84 | 18932.1 | 0 | 0 | 0 | 50081.61 260 | Imprimerie, édition | 38925 | 0 | 5151 | 119644.15 | 104728.4 | 36258.7 | 0 | 0 | 3756 | 308463.25 270 | Sidérurgie, aciérie | 376194 | 0 | 152569 | 479243.92 | 87281.38 | 224211.46 | 0 | 0 | 49833 | 1369332.7599999998 280 | Industrie de la fabrication | 63239 | 3791.36 | 109529 | 989786.37 | 472275.93 | 133043.64 | 0 | 28565.25 | 7040 | 1807270.5499999998 290 | Autres industries | 0 | 0 | 18 | 125365.32 | 330482.27 | 61524.52 | 0 | 0 | 0 | 517390.11000000004 300 | Production et distribution de l'électricité | 187454 | 0 | 321352 | 1026916.69 | 0 | 543.19 | 0 | 50974.24 | 0 | 1587240.1199999999 400 | Production et distribution de gaz | 0 | 0 | 1892 | 2421.97 | 170699.76 | 110172.77 | 0 | 0 | 0 | 285186.5 500 | Traitement et distribution de l'eau | 0 | 7180.02 | 264189 | 53100.51 | 43672.86 | 969.91 | 0 | 0 | 0 | 369112.3 600 | Entrep/ batiment et corps/ métiers corresp. | 777875 | 149023.49 | 468949 | 2985068.76 | 556600.41 | 317765.3 | 0 | 0 | 365001 | 5620282.96 700 | Commerce de gros(1) | 821812 | 217564.7 | 730946 | 3852704.81 | 3017367.2 | 792702.91 | 0 | 30881.35 | 46575 | 9510553.97 800 | Commerce de détail(2) | 99883 | 302043.19 | 243896 | 3408913.06 | 3933454.77 | 622140.35 | 1082.05 | 189544.27 | 6659 | 8807615.69 900 | Rest/débits/boissons, casinos/activités/loterie | 94513 | 0 | 7214 | 24878.16 | 21163.37 | 20981.93 | 0 | 0 | 161 | 168911.46 1000 | Hotels,motels et pensions | 355891 | 0 | 6691 | 1393462.51 | 306445.68 | 771254.99 | 319008.65 | 0 | 0 | 3152753.8299999996 1100 | Transport | 103700 | 132182.39 | 61225 | 66564.67 | 655292.14 | 32292.09 | 0 | 0 | 0 | 1051256.29 1200 | Immobilier résidentiel / Avance Hypothécaire | 1331300 | 270168.75 | 754087 | 305844.46 | 1493239.23 | 412769.92 | 2422473.81 | 0 | 788369 | 7778252.17 1300 | Immobilier commercial | 668182 | 45893.09 | 201637 | 893800.24 | 4438249.79 | 65341.5 | 969314.73 | 0 | 27081 | 7309499.35 1400 | Télécommunications | 369355 | 0 | 2435 | 151077.08 | 215303.74 | 839.17 | 0 | 0 | 256285 | 995294.99 1500 | Services financiers | 81362 | 38293.52 | 114378 | 1354371.13 | 2041172.24 | 1160405.61 | 0 | 281192.43 | 858112 | 5929286.93 1510 | Services professionnels | 913678 | 26072.68 | 62168 | 603160.52 | 174172.16 | 141931.7 | 0 | 0 | 73112 | 1994295.06 1520 | Services médicaux | 0 | 1219.36 | 3698 | 44442.05 | 46318.54 | 47531.99 | 0 | 0 | 939 | 144148.94 1530 | Services d'agence ou de représentation | 2110 | 0 | 12 | 18472.21 | 19970.68 | 344.09 | 0 | 0 | 0 | 40908.979999999996 1540 | Services d'enseignement | 24593 | 0 | 10443 | 149075.27 | 8588.1 | 19487.46 | 0 | 0 | 6718 | 218904.83 1550 | Autres services | 512446 | 19220.33 | 6417 | 1250820.03 | 280616.13 | 442721.39 | 7304.25 | 398.01 | 12433 | 2532376.1399999997 1560 | Crédit à la consommation | 2793687 | 156451.7 | 910466 | 1765165.24 | 1597667.02 | 211396.37 | 283430.03 | 0 | 610638 | 8328901.360000001 Total | 10256256 | 1374957.6700000004 | 4934301 | 23460076.459999997 | 24724128.809999995 | 6224453.19 | 4023425.87 | 1255691.68 | 3356708 | 79609998.67999999 (1) Commerce de gros Import-export | 6340 | 38054.27 | 615322 | 1013451.29 | 1092040.13 | 131995.97 | 0 | 0 | 0 | 2897203.66 Produits pétroliers | 131296 | 0 | 0 | 4670.92 | 0 | 38365.77 | 0 | 0 | 0 | 174332.69 Produits pharmaceutiques | 0 | 361831.67 | 818 | 142728.77 | 103855.15 | 8439.78 | 0 | 0 | 0 | 617673.37 Produits alimentaires | 453310 | 19529.46 | 104060 | 1709064.88 | 795472.08 | 301592.62 | 0 | 30881.35 | 8163 | 3422073.39 Matériaux de construction | 0 | 102712.05 | 0 | 132925.07 | 442221.27 | 301746.77 | 0 | 0 | 38412 | 1018017.16 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 230866 | 56907.08 | 10747 | 849863.89 | 583778.57 | 10561.99 | 0 | 0 | 0 | 1742724.53 S-Total | 821812 | 579034.53 | 730947 | 3852704.82 | 3017367.1999999997 | 792702.9 | - | 30881.35 | 46575 | 9872024.8 (2) Commerce de détail Produits pétroliers | 24735 | 7377.75 | 10163 | 127490.4 | 107468.31 | 19201.6 | 0 | 0 | 0 | 296436.05999999994 Produits pharmaceutiques | 0 | 0 | 9 | 7247.89 | 1126.56 | 20093.68 | 0 | 0 | 404 | 28881.13 Véhicules automobiles | 0 | 0 | 17818 | 900755.18 | 2012361.65 | 116969.86 | 0 | 129869.19 | 0 | 3177773.88 Produits alimentaires | 1000 | 0 | 130023 | 874961.29 | 520056.46 | 182744.22 | 0 | 0 | 3699 | 1712483.97 Librairie ,papeterie | 1406 | 0 | 15 | 44350.33 | 17843.59 | 11990 | 0 | 0 | 781 | 76385.92 Appareils électro- ménagers électroni.équip. inform. | 16818 | 0 | 30829 | 310385.51 | 209406.61 | 210262.96 | 0 | 0 | 0 | 777702.08 Matériaux de construction | 0 | 1340.08 | 0 | 359534.19 | 538218.27 | 141.18 | 0 | 0 | 0 | 899233.7200000001 Autres | 55923 | 280046.38 | 54918 | 784188.28 | 526973.31 | 60736.85 | 0 | 59675.08 | 1775 | 1824235.9000000004 S-Total | 99882 | 288764.21 | 243775 | 3408913.0700000003 | 3933454.76 | 622140.35 | - | 189544.27000000002 | 6659 | 8793132.66 [Secteur d'activité mars 16 % ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 mars 2016 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.0003211698824957709 | 0.003536388306011257 | 0.0003213133650379335 | 0 | 0 | 0 | 0.0012180478785055043 200 | Industrie alimentaire | 0.03545241070425699 | 0.0042037657784766555 | 0.04572055900116349 | 0.01804732097620794 | 0.06304947939639861 | 0.02165813379664921 | 0.005172793204712381 | 0.20758902376417754 | 0.047819470743359266 | 0.039618505618596006 210 | Industrie des boissons | 0.00012314435209105545 | 0 | 0.0006430495423769243 | 0.0374752363445622 | 0.11323362054592048 | 0.022735783478516288 | - | 0.1950676857236165 | 0.021504104616785254 | 0.052026834426270846 220 | Industrie du bois | 0.0017693591111610318 | 5.315800012956034e-05 | 0.0013736494794298118 | 3.930123593467607e-05 | 0 | 0 | - | 0 | 0 | 0.0003255884993063286 230 | Industrie chimique | 0 | 0 | 0.00492835763363443 | 0.012329076185798588 | 0.004872031323153426 | 0.014714061975297786 | - | 0.13420766632777245 | 0 | 0.00871908367678923 240 | Industrie du textile | 0.02506158192619217 | 0 | 0.04653344009617573 | 0.033485077141133926 | 0.005148624284327211 | 0.033573275213272184 | - | 0 | 0.003365499769416941 | 0.02034641410447515 250 | Industrie pharmacie | 0 | 0 | 0.0011067423734385073 | 0.0004242812258933278 | 0.0006364163575153289 | 0.0030415683791173305 | - | 0 | 0 | 0.0006290869341840819 260 | Imprimerie, édition | 0.0037952445804784905 | 0 | 0.0010439168587404782 | 0.0050999045209420436 | 0.004235878271174563 | 0.00582520245445046 | - | 0 | 0.0011189534508214596 | 0.003874679752726759 270 | Sidérurgie, aciérie | 0.03667946665917855 | 0 | 0.03092008371601165 | 0.020428063003849223 | 0.003530210535252426 | 0.03602106934633401 | - | 0 | 0.014845795344724654 | 0.0172005122811792 280 | Industrie de la fabrication | 0.006165895235064335 | 0.0027574376162431235 | 0.022197470320517537 | 0.042190244847991436 | 0.019101822904634837 | 0.02137434983264771 | - | 0.022748617718005428 | 0.00209729294296674 | 0.022701552317121582 290 | Autres industries | 0 | 0 | 3.6479331114984677e-06 | 0.005343772865094917 | 0.013366791304951144 | 0.00988432527677182 | - | 0 | 0 | 0.006499059396793851 300 | Production et distribution de l'électricité | 0.018277039886679895 | 0 | 0.06512614451368086 | 0.04377294727708658 | 0 | 8.726710337747756e-05 | - | 0.04059455104456852 | 0 | 0.019937698107244838 400 | Production et distribution de gaz | 0 | 0 | 0.0003834383026086167 | 0.00010323794145042612 | 0.006904176940340089 | 0.017699991732125147 | - | 0 | 0 | 0.003582294997219312 500 | Traitement et distribution de l'eau | 0 | 0.00522199348871591 | 0.053541322266314924 | 0.0022634414721766855 | 0.0017664064257073417 | 0.00015582252294197104 | - | 0 | 0 | 0.004636506797138412 600 | Entrep/ batiment et corps/ métiers corresp. | 0.07584395319305602 | 0.10838405665244949 | 0.09503858803911638 | 0.1272403679114011 | 0.022512437719337385 | 0.05105111891764423 | - | 0 | 0.1087377871414493 | 0.07059770196192648 700 | Commerce de gros(1) | 0.08012787512324185 | 0.15823374402500692 | 0.14813567311763104 | 0.16422388122088843 | 0.12204139620804705 | 0.1273530197437311 | - | 0.024593099159500684 | 0.013875201536743738 | 0.11946431513243183 800 | Commerce de détail(2) | 0.009738738970634118 | 0.2196745373259381 | 0.04942868300900168 | 0.14530698848370252 | 0.1590937662648426 | 0.09995100469218886 | 0.00026893747640987354 | 0.15094809738645398 | 0.001983788878865841 | 0.1106345413395 900 | Rest/débits/boissons, casinos/activités/loterie | 0.009215156095947682 | 0 | 0.0014620105259083303 | 0.001060446671707054 | 0.0008559804134105708 | 0.0033708872666451846 | - | 0 | 4.796365963318823e-05 | 0.0021217367516730627 1000 | Hotels,motels et pensions | 0.03469989438641157 | 0 | 0.001356017802724236 | 0.05939718535768149 | 0.012394599718961749 | 0.12390726806959888 | 0.0792878159825522 | 0 | 0 | 0.039602485645965094 1100 | Transport | 0.010110902067967102 | 0.09613560685108218 | 0.01240803915286076 | 0.0028373594652811294 | 0.026504154910200865 | 0.005187940051003902 | - | 0 | 0 | 0.013205078601063985 1200 | Immobilier résidentiel | 0.1298037022476818 | 0.19649241274460466 | 0.1528254964583636 | 0.01303680576324942 | 0.06039603018877818 | 0.06631424599081931 | 0.6020923184052599 | 0 | 0.23486374149911163 | 0.09770446299422048 1300 | Immobilier commercial | 0.06514872483682155 | 0.03337782027864173 | 0.04086434937795647 | 0.0380987777905989 | 0.17951086665609395 | 0.010497548620813067 | 0.2409177554947719 | 0 | 0.00806772587904578 | 0.09181634808689336 1400 | Télécommunications | 0.03601265413031812 | 0 | 0.0004934842848054871 | 0.0064397522428194165 | 0.008708243742562835 | 0.00013481826826944134 | - | 0 | 0.0763501025409419 | 0.0125021354918078 1500 | Services financiers | 0.007932914311031238 | 0.02785069012342757 | 0.023180182968165097 | 0.05773089155567058 | 0.08255790348311166 | 0.186426915678998 | - | 0.22393429412544966 | 0.25564094344816407 | 0.07447917382630963 1510 | Services professionnels | 0.08908494483757036 | 0.018962532861102548 | 0.012599150315313152 | 0.02571008329953244 | 0.007044622738316822 | 0.022802276066277237 | 0 | 0 | 0.021780863870196635 | 0.0250508113687611 1520 | Services médicaux | 0 | 0.0008868345743327498 | 0.0007494475914622963 | 0.0018943693587603937 | 0.0018734144428686954 | 0.007636331826924703 | 0 | 0 | 0.0002797383627053649 | 0.001810688888206373 1530 | Services d'agence ou de représentation | 0.00020572809415053602 | 0 | 2.431955407665645e-06 | 0.0007873891643744456 | 0.0008077404932432887 | 5.528035788795127e-05 | 0 | 0 | 0 | 0.0005138673618679176 1540 | Services d'enseignement | 0.0023978535637175983 | 0 | 0.0021164091935210274 | 0.006354423876417324 | 0.00034735703190991434 | 0.003130790674321064 | 0 | 0 | 0.0020013656237003637 | 0.0027497152823718653 1550 | Autres services | 0.04996423646211639 | 0.013978852163499693 | 0.0013004881542492037 | 0.05331696305988937 | 0.011349889500919488 | 0.07112614979758568 | 0.0018154304903348448 | 0.00031696475045530286 | 0.0037039265852138463 | 0.0318097749276335 1560 | Crédit à la consommation | 0.27238857922423154 | 0.11378655751634882 | 0.18451772601630909 | 0.07524123985740838 | 0.06461974989200844 | 0.03396223950075203 | 0.07044494894595883 | 0 | 0.181915734106154 | 0.10462129755181654 Total | 0.9999999999999999 | 0.9999999999999997 | 0.9999999999999999 | 1 | 1.0000000000000002 | 1 | 1 | 1 | 0.9999999999999999 | 1 (1) Commerce de gros Import-export | 0.0006181592971158286 | 0.027676684766593566 | 0.12470297211297 | 0.04319897642822943 | 0.04416900342139902 | 0.02120603464607306 | - | 0 | 0 | 0.03639245959098163 Produits pétroliers | 0.012801552535350131 | 0 | 0 | 0.0001991008003730948 | 0 | 0.0061637173304856996 | - | 0 | 0 | 0.002189834102381372 Produits pharmaceutiques | 0 | 0.2631584069057194 | 0 | 0.006083900461422452 | 0.004200558523137706 | 0.0013559070559899255 | - | 0 | 0 | 0.0077587411159595315 Produits alimentaires | 0.04419838974378175 | 0.014203680903136453 | 0.02108910664347392 | 0.07284992795799268 | 0.03217391747604312 | 0.048452869801403384 | - | 0.024593099159500684 | 0.002431846916681463 | 0.04298547226153528 Matériaux de construction | 0 | 0.07470197246145037 | 0 | 0.005666011797814918 | 0.017886222539867123 | 0.04847763502901369 | - | 0 | 0.011443354620062275 | 0.01278755403692465 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.022509773546994148 | 0.04138824142855248 | 0.002178018730515224 | 0.036225964201311904 | 0.023611694247600064 | 0.0016968542741985018 | - | 0 | 0 | 0.021890774511943507 S-Total | 0.08012787512324185 | 0.42112898646545227 | 0.14797009748695916 | 0.1642238816471445 | 0.12204139620804705 | 0.12735301813716426 | - | 0.024593099159500684 | 0.013875201536743738 | 0.12400483561972597 (2) Commerce de détail Produits pétroliers | 0.0024116987719495302 | 0.00536580155227615 | 0.0020596635673421626 | 0.00543435569007519 | 0.0043466975449720615 | 0.003084865355056192 | - | 0 | 0 | 0.003723603377906751 Produits pharmaceutiques | 0 | 0 | 1.8239665557492338e-06 | 0.0003089457109126575 | 4.556520509407588e-05 | 0.003228183968397712 | - | 0 | 0.0001203560154770686 | 0.0003627826966319955 Véhicules automobiles | 0 | 0 | 0.0036110484544822053 | 0.038395236329933094 | 0.08139262117037968 | 0.01879198966230799 | - | 0.10342442501490494 | 0 | 0.0399167684045991 Produits alimentaires | 9.750146642205499e-05 | 0 | 0.02635084483090918 | 0.037295756111103494 | 0.0210343694613683 | 0.029359080134716217 | - | 0 | 0.0011019725278457347 | 0.02151091569393806 Librairie ,papeterie | 0.00013708706178940932 | 0 | 3.039944259582056e-06 | 0.001890459738083906 | 0.0007217075326343927 | 0.0019262736234024116 | - | 0 | 0.00023266843586037273 | 0.0009595015860638374 Appareils électro- ménagers électroni.équip. inform. | 0.0016397796622861208 | 0 | 0.006247896105243681 | 0.013230370776037958 | 0.008469726541600235 | 0.033780149610218205 | - | 0 | 0 | 0.009768899546475912 Matériaux de construction | 0 | 0.0009746336409032865 | 0 | 0.01532536309559837 | 0.021768947821623977 | 0 | - | 0 | 0 | 0.011295487186409285 Autres | 0.005452574506720581 | 0.2036763648149255 | 0.011129843923181825 | 0.03342650145821392 | 0.021314130582706675 | 0.009757780827652107 | - | 0.047523672371549044 | 0.0005287918996826653 | 0.022914658086262394 S-Total | 0.009738641469167697 | 0.2100168000081049 | 0.04940416079197438 | 0.1453069889099586 | 0.1590937658603794 | 0.09992832318175084 | - | 0.15094809738645398 | 0.0019837888788658414 | 0.11045261657828734 [Secteur d'activité mars 16 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2016 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 921695 | 519607.89 | 974842 | 7261617.87 | 6950821.970000001 | 1414843.26 | 1082.05 | 220425.62 | 53234 | 18318169.660000004 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1984593 | 84805.89 | 211021 | 4838681.88 | 2898446.9000000004 | 2604659.16 | 326312.9 | 281590.44 | 951475 | 14181586.17 Industries Manufacturières ( 200 à 290 ) | 1118415 | 9644.45 | 762206 | 4102282.42 | 5616700.870000001 | 1050860.5499999998 | 20812.35 | 702701.38 | 304625 | 13688248.020000003 Prêts aux Particuliers ( 1560 ) | 2793687 | 156451.7 | 910466 | 1765165.24 | 1597667.02 | 211396.37 | 283430.03 | 0 | 610638 | 8328901.360000001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1999482 | 316061.83999999997 | 955724 | 1199644.7 | 5931489.02 | 478111.42 | 3391788.54 | 0 | 815450 | 15087751.52 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 473055 | 132182.39 | 63660 | 217641.75 | 870595.88 | 33131.26 | 0 | 0 | 256285 | 2046551.28 Bâtiments et Travaux Publics ( 600 ) | 777875 | 149023.49 | 468949 | 2985068.76 | 556600.41 | 317765.3 | 0 | 0 | 365001 | 5620282.96 Électricité, Gaz et Eau ( 300 à 500 ) | 187454 | 7180.02 | 587433 | 1082439.17 | 214372.62 | 111685.87000000001 | 0 | 50974.24 | 0 | 2241538.9200000004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7534.67 | 87434.12 | 2000 | 0 | 0 | 0 | 96968.79 Total | 10256256 | 1374957.6700000002 | 4934301 | 23460076.46 | 24724128.810000002 | 6224453.1899999995 | 4023425.87 | 1255691.68 | 3356708 | 79609998.68 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.08986661409387597 | 0.3779082813509451 | 0.19756435612663273 | 0.30953086970459087 | 0.28113516247288955 | 0.22730402443592 | 0.00026893747640987354 | 0.17554119654595465 | 0.015858990415609578 | 0.23009885647193182 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.19350072775094537 | 0.06167890972236257 | 0.042766138506751004 | 0.20625175234403306 | 0.11723150782274216 | 0.41845589973823877 | 0.08110324647288705 | 0.22425125887590497 | 0.2834548015496135 | 0.17813825405278852 Industries Manufacturières ( 200 à 290 ) | 0.10904710256842264 | 0.007014361394849341 | 0.15447091695460005 | 0.17486227834740825 | 0.227174874923328 | 0.1688277697530568 | 0.005172793204712381 | 0.5596129935335719 | 0.09075111686807431 | 0.17194131700744303 Prêts aux Particuliers ( 1560 ) | 0.27238857922423154 | 0.11378655751634885 | 0.18451772601630909 | 0.07524123985740837 | 0.06461974989200843 | 0.033962239500752035 | 0.07044494894595883 | 0 | 0.181915734106154 | 0.10462129755181653 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.19495242708450336 | 0.2298702330232464 | 0.19368984583632007 | 0.05113558355384831 | 0.23990689684487204 | 0.07681179461163239 | 0.8430100739000318 | 0 | 0.2429314673781574 | 0.1895208110811138 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.046123556198285225 | 0.09613560685108219 | 0.012901523437666247 | 0.009277111708100545 | 0.03521239865276369 | 0.005322758319273344 | 0 | 0 | 0.0763501025409419 | 0.025707214092871782 Bâtiments et Travaux Publics ( 600 ) | 0.07584395319305602 | 0.1083840566524495 | 0.09503858803911638 | 0.12724036791140106 | 0.022512437719337378 | 0.05105111891764424 | 0 | 0 | 0.1087377871414493 | 0.07059770196192647 Électricité, Gaz et Eau ( 300 à 500 ) | 0.018277039886679895 | 0.005221993488715911 | 0.11905090508260441 | 0.04613962669071369 | 0.008670583366047428 | 0.0179430813584446 | 0 | 0.04059455104456852 | 0 | 0.028156499901602565 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 0.00032116988249577085 | 0.003536388306011256 | 0.0003213133650379336 | 0 | 0 | 0 | 0.0012180478785055041 Total | 1 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 1 | 1 [Secteur d'activité décembre 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 4.3 | 3293.344 | 87196.26 | 0 | 0 | 0 | 0 | 90493.904 200 | Industrie alimentaire | 268686 | 6301.91 | 67422.95 | 237927.936 | 1455113.3 | 146509.16 | 22240.2 | 263703.94571 | 164449 | 2632354.4017100004 210 | Industrie des boissons | 1341 | 0 | 3224.62 | 874619.092 | 2647731.17 | 109587.606 | 0 | 257844.48585 | 75237 | 3969584.9738499997 220 | Industrie du bois | 12614 | 127.92 | 13891.09 | 1479.074 | 0 | 0 | 0 | 0 | 0 | 28112.084000000003 230 | Industrie chimique | 0 | 0 | 24000.33 | 307906.017 | 72731.59 | 91660.408 | 0 | 200261.53 | 0 | 696559.875 240 | Industrie du textile | 251727 | 0 | 223463.39 | 770516.697 | 131861.81 | 213049.294 | 0 | 0 | 9975 | 1600593.191 250 | Industrie pharmacie | 0 | 0 | 12830.58 | 2673.794 | 7597.47 | 18836.878 | 0 | 0 | 0 | 41938.722 260 | Imprimerie, édition | 19084 | 0 | 975.54 | 80107.091 | 53043.65 | 34688.161 | 0 | 0 | 0 | 187898.44199999998 270 | Sidérurgie, aciérie | 376194 | 0 | 160304.46 | 488485.061 | 313486.87 | 217668.187 | 0 | 0 | 48923 | 1605061.5779999997 280 | Industrie de la fabrication | 64539 | 3800.13 | 94118.93 | 1009263.273 | 506549.97 | 101715.323 | 0 | 0 | 7710 | 1787696.6260000002 290 | Autres industries | 0 | 0 | 1.13 | 111221.785 | 118141.7 | 55969.27 | 0 | 0 | 2179 | 287512.885 300 | Production et distribution de l'électricité | 209203 | 0 | 342646.22 | 1059696.588 | 108.77 | 375.153 | 0 | 48389.528770000004 | 0 | 1660419.25977 400 | Production et distribution de gaz | 0 | 300.19 | 2369.32 | 2426.681 | 287140.01 | 104749.459 | 0 | 0 | 0 | 396985.66000000003 500 | Traitement et distribution de l'eau | 0 | 8267.16 | 10062.98 | 249257.269 | 38705.94 | 0 | 0 | 0 | 0 | 306293.349 600 | Entrep/ batiment et corps/ métiers corresp. | 778773 | 131526.77 | 579807.21 | 2589740.673 | 621384.22 | 341213.665 | 0 | 0 | 375817 | 5418262.538 700 | Commerce de gros(1) | 840149 | 217749.08 | 544821.78 | 4175451.036 | 3464810.46 | 614629.179 | 1603.52 | 81190.84998999999 | 42841 | 9983245.904989997 800 | Commerce de détail(2) | 119950 | 297332.58 | 281496.41 | 2958113.836 | 3647202.55 | 625702.641 | 2373.39 | 282192.93239 | 7705 | 8222069.339389999 900 | Rest/débits/boissons, casinos/activités/loterie | 88073 | 0 | 7593.02 | 27182.119 | 20982.13 | 19016.491 | 0 | 0 | 4987 | 167833.76 1000 | Hotels,motels et pensions | 324710 | 0 | 7730.43 | 1328495.867 | 295275.98 | 734325.606 | 315287.95 | 0 | 0 | 3005825.833 1100 | Transport | 107809 | 133438.64 | 69437.82 | 68874.922 | 732263.4 | 36073.766 | 0 | 1.29836 | 0 | 1147898.84636 1200 | Immobilier résidentiel / Avance Hypothécaire | 1268052 | 264142.57 | 667063.53 | 306539.308 | 1324510.62 | 402425.232 | 2092504.71 | 0 | 791413 | 7116650.970000001 1300 | Immobilier commercial | 630863 | 46347.81 | 191571.72 | 849703.248 | 4268949.98 | 66598.942 | 999775.3 | 0 | 28472 | 7082282 1400 | Télécommunications | 404856 | 0 | 3317.47 | 155312.228 | 271563.41 | 2779.951 | 0 | 45357.6 | 312059 | 1195245.659 1500 | Services financiers | 80840 | 48572.15 | 43459.73 | 1464141.103 | 2288194.65 | 1073597.169 | 0 | 209976.37103 | 712963 | 5921744.17303 1510 | Services professionnels | 864080 | 25390.03 | 26748.73 | 567305.593 | 168236.05 | 131263.918 | 0 | 0.8425199999999999 | 76416 | 1859441.1635200002 1520 | Services médicaux | 2785 | 1242.63 | 3.18 | 42862.455 | 44309.81 | 47270.459 | 0 | 0 | 1092 | 139565.53399999999 1530 | Services d'agence ou de représentation | 1538 | 0 | 4660.47 | 19798.56 | 29298.46 | 111.483 | 0 | 0 | 0 | 55406.973000000005 1540 | Services d'enseignement | 23413 | 0 | 10705.16 | 159901.115 | 11460.99 | 20419.925 | 0 | 0 | 6074 | 231974.18999999997 1550 | Autres services | 768043 | 45754.98 | 5355.98 | 1403108.441 | 173076.06 | 410364.78 | 0 | 27948.04322 | 13886 | 2847537.2842200003 1560 | Crédit à la consommation | 2965195 | 177069.08 | 897641.5 | 1775905.857 | 1548738.56 | 222659.809 | 463700.07 | 3834.655 | 601553 | 8656297.531 Total | 10472517 | 1407363.63 | 4296729.98 | 23091310.062999997 | 24629665.839999996 | 5843261.914999999 | 3897485.14 | 1420702.08284 | 3283751 | 78342786.65084 (1) Commerce de gros Import-export | 2137 | 43096.41 | 482665.7 | 954480.852 | 1456099.03 | 147468 | 0 | 0 | 0 | 3085946.9919999996 Produits pétroliers | 150798 | 0 | 0 | 3803.572 | 0 | 34605 | 0 | 0 | 0 | 189206.572 Produits pharmaceutiques | 0 | 361.83 | 36.56 | 131605.165 | 104828.75 | 2648 | 0 | 0 | 0 | 239480.30500000002 Produits alimentaires | 454433 | 19572.7 | 50897.8 | 1824038.656 | 861384.86 | 256308 | 0 | 81191.84998999999 | 10101 | 3557927.86599 Matériaux de construction | 0 | 95106.94 | 10827.02 | 190420.123 | 582821.6 | 163552 | 0 | 0 | 32740 | 1075467.683 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 232780 | 59611.2 | 428.21 | 1071102.668 | 459676.23 | 10048 | 0 | 0 | 0 | 1833646.3080000002 S-Total | 840148 | 217749.08000000002 | 544855.29 | 4175451.0360000003 | 3464810.47 | 614629 | - | 81191.84998999999 | 42841 | 9981675.725990001 (2) Commerce de détail Produits pétroliers | 27275 | 7647.25 | 8240.14707 | 131358.737 | 105119.25 | 6215 | 0 | 0 | 0 | 285855.38407000003 Produits pharmaceutiques | 0 | 0 | 20.93805 | 13338.551 | 1261.87 | 16951 | 0 | 0 | 440 | 32012.35905 Véhicules automobiles | 9608 | 0 | 23921.26184 | 858223.614 | 1849649.65 | 118997 | 0 | 93609.86793000001 | 0 | 2954009.39377 Produits alimentaires | 0 | 0 | 165981.65627 | 727617.648 | 559526.3 | 200836 | 0 | 0 | 4020 | 1657981.60427 Librairie ,papeterie | 1422 | 0 | 0 | 56487.759 | 23831.83 | 11008 | 0 | 0 | 904 | 93653.589 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 28495.04417 | 289395.635 | 200453.33 | 214205 | 0 | 0 | 0 | 732549.00917 Matériaux de construction | 16440 | 1295.69 | 52466.45965999999 | 327522.232 | 424789.19 | 147 | 0 | 0 | 0 | 822660.57166 Autres | 65205 | 288389.63 | 2370.9033999999997 | 554169.661 | 482571.14 | 57343 | 0 | 188583.06446 | 2341 | 1640973.39886 S-Total | 119950 | 297332.57 | 281496.41046 | 2958113.837 | 3647202.5600000005 | 625702 | - | 282192.93239 | 7705 | 8219695.309849999 [Secteur d'activité décem 15 (%)] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1.000761048521834e-06 | 0.00014262265722537063 | 0.003540294073271114 | 0 | 0 | 0 | 0 | 0.0011551019292090718 200 | Industrie alimentaire | 0.025656296380325763 | 0.00447781217708461 | 0.015691688868938417 | 0.010303786807715173 | 0.05907970126159049 | 0.02507318037959283 | 0.0057062950084782104 | 0.18561523129666477 | 0.05007961931340105 | 0.03360046935070028 210 | Industrie des boissons | 0.00012804944599278283 | 0 | 0.0007504823470429016 | 0.0378765470479491 | 0.10750170900410398 | 0.018754525741637926 | - | 0.18149089028895196 | 0.022911907754272477 | 0.050669438036991726 220 | Industrie du bois | 0.001204485989375811 | 9.089335355355176e-05 | 0.0032329446031421315 | 6.405327354596357e-05 | 0 | 0 | - | 0 | 0 | 0.0003588343637212014 230 | Industrie chimique | 0 | 0 | 0.00558571986410931 | 0.013334280998347011 | 0.0029530075833136033 | 0.015686513685909287 | - | 0.1409595526175867 | 0 | 0.0088911807299432 240 | Industrie du textile | 0.0240369149078488 | 0 | 0.05200778057735897 | 0.033368253897150056 | 0.005353779903333029 | 0.036460678487317134 | - | 0 | 0.003037684647831093 | 0.020430638983185038 250 | Industrie pharmacie | 0 | 0 | 0.002986126673010064 | 0.00011579221762234756 | 0.000308468253258283 | 0.0032236922243113254 | - | 0 | 0 | 0.0005353233372577555 260 | Imprimerie, édition | 0.0018222935326817804 | 0 | 0.00022704242634302094 | 0.0034691444868846294 | 0.002153648788602485 | 0.005936437815829107 | - | 0 | 0 | 0.0023984140727266985 270 | Sidérurgie, aciérie | 0.03592202333020801 | 0 | 0.03730847894705266 | 0.021154497500023458 | 0.012728019618150047 | 0.03725114331110726 | - | 0 | 0.014898510879783515 | 0.020487675338298553 280 | Industrie de la fabrication | 0.006162701860498293 | 0.00270017635740665 | 0.021904781179663515 | 0.04370749300262428 | 0.020566660274267044 | 0.01740728457488629 | - | 0 | 0.002347924675165687 | 0.02281890525502302 290 | Autres industries | 0 | 0 | 2.6299069414643546e-07 | 0.004816607836305248 | 0.004796723624570297 | 0.009578429105894359 | - | 0 | 0.0006635704107893686 | 0.0036699343652580843 300 | Production et distribution de l'électricité | 0.01997638199107244 | 0 | 0.07974581172075419 | 0.04589157501713116 | 4.416219071204419e-06 | 6.420266718439576e-05 | - | 0.034060292692236205 | 0 | 0.02119428387415163 400 | Production et distribution de gaz | 0 | 0.0002132995294187047 | 0.0005514239924380819 | 0.00010509065935970236 | 0.011658299055510047 | 0.017926538382799843 | - | 0 | 0 | 0.005067290518644622 500 | Traitement et distribution de l'eau | 0 | 0.005874217454376024 | 0.0023420089339661037 | 0.010794418693437127 | 0.001571517057983764 | 0 | - | 0 | 0 | 0.003909656039746141 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0743634982879474 | 0.09345613826897033 | 0.13494150498142307 | 0.11215217611882622 | 0.02522909665265682 | 0.0583943814197485 | - | 0 | 0.11444747180891608 | 0.06916096260589047 700 | Commerce de gros(1) | 0.08022417151483259 | 0.1547212641838698 | 0.1267991664675191 | 0.18082347968166904 | 0.14067630809561973 | 0.10518597111353344 | 0.0004114242755008939 | 0.05714839935174765 | 0.013046360701527003 | 0.12743031403112537 800 | Commerce de détail(2) | 0.011453788998385011 | 0.2112691941598633 | 0.0655141028899377 | 0.12810506757431178 | 0.1480816903360797 | 0.10708105337427785 | 0.0006089542139986196 | 0.1986292100212122 | 0.0023464020262194056 | 0.10494992188667368 900 | Rest/débits/boissons, casinos/activités/loterie | 0.008409917119256049 | 0 | 0.00176716247829006 | 0.001177157940620911 | 0.0008519047776086272 | 0.0032544307061067286 | - | 0 | 0.0015186900590209184 | 0.0021423001041309076 1000 | Hotels,motels et pensions | 0.0310059176795798 | 0 | 0.0017991426121685215 | 0.05753228653443508 | 0.01198863118639859 | 0.12567049307082107 | 0.08089522824967076 | 0 | 0 | 0.03836761444798276 1100 | Transport | 0.010294468846410085 | 0.09481461447174105 | 0.016160619895411718 | 0.0029827204178580007 | 0.029730951477659192 | 0.006173566498430699 | - | 0 | 0 | 0.014652259581676397 1200 | Immobilier résidentiel | 0.12108378530204343 | 0.18768608508093962 | 0.15524911574732 | 0.013275093841088667 | 0.053777043854525974 | 0.06886996301961934 | 0.5368858725141925 | 0 | 0.24100883410465654 | 0.0908399008286195 1300 | Immobilier commercial | 0.06023986401740861 | 0.03293236304536305 | 0.04458546869170494 | 0.036797533170779634 | 0.17332553383923624 | 0.011397562349385121 | 0.2565180530746039 | 0 | 0.008670572159703948 | 0.0904012009626934 1400 | Télécommunications | 0.03865890119825062 | 0 | 0.0007720918036371462 | 0.006726003313638845 | 0.011025866601850738 | 0.00047575327624176854 | - | 0.03192618674094545 | 0.09503126150551611 | 0.015256614043191997 1500 | Services financiers | 0.007719252210333008 | 0.03451286431211811 | 0.01011460580541298 | 0.06340658451189583 | 0.09290400709715842 | 0.1837325084203418 | - | 0.14779760905977896 | 0.21711847213750374 | 0.0755876121616936 1510 | Services professionnels | 0.08250929552083802 | 0.018040845634187664 | 0.006225369088704056 | 0.02456792583236814 | 0.006830626574184979 | 0.02246415100152156 | 0 | 0 | 0.023270948375805595 | 0.02373468245145787 1520 | Services médicaux | 0.00026593415890372867 | 0.000882948779911273 | 7.400977056510308e-07 | 0.001856215818117656 | 0.0017990422723494005 | 0.00808973817837156 | 0 | 0 | 0.00033254652986782493 | 0.0017814726788060143 1530 | Services d'agence ou de représentation | 0.00014686058757412378 | 0 | 0.0010846550799545472 | 0.0008574030640090843 | 0.0011895597849491573 | 1.907889833139544e-05 | 0 | 0 | 0 | 0.000707237709668653 1540 | Services d'enseignement | 0.002235661207329623 | 0 | 0.0024914667781846507 | 0.006924731189514235 | 0.000465332744441327 | 0.0034946105954245937 | 0 | 0 | 0.0018497139399424622 | 0.0029610153010495794 1550 | Autres services | 0.07333891174394847 | 0.032511128627077 | 0.0012465246885260402 | 0.060763483629638196 | 0.007027137969485339 | 0.07022871573608046 | - | 0.01967199426084569 | 0.004228700653612287 | 0.036347153400490745 1560 | Crédit à la consommation | 0.28314062416895575 | 0.1258161545641193 | 0.20891270900853767 | 0.07690797326590817 | 0.06288102201877052 | 0.038105395965294504 | 0.11897417266355505 | 0.0026991267531152486 | 0.18319080831646492 | 0.11049259160999203 Total | 1 | 0.9999999999999999 | 1 | 1.0000000000000002 | 1.0000000000000002 | 1.0000000000000002 | 0.9999999999999999 | 0.9999984930830849 | 1 | 1 (1) Commerce de gros Import-export | 0.00020405791654480007 | 0.03062208592103521 | 0.11233326325988956 | 0.041335067148459345 | 0.05911972332305099 | 0.0252372736572771 | - | 0 | 0 | 0.039390314334279704 Produits pétroliers | 0.014399403696360674 | 0 | 0 | 0.00016471876171697138 | 0 | 0.005922205867781986 | - | 0 | 0 | 0.002415111589574422 Produits pharmaceutiques | 0 | 0.0002570977338671172 | 0 | 0.005699337310916608 | 0.004256198629774021 | 0.00045317153988980494 | - | 0 | 0 | 0.0030568264831747887 Produits alimentaires | 0.043392911178850316 | 0.013907351009205775 | 0.01184570597568712 | 0.07899242836476048 | 0.03497346921374229 | 0.04386385613522512 | - | 0.057149103229085535 | 0.0030760554012773805 | 0.04541487503944757 Matériaux de construction | 0 | 0.06757808570056625 | 0.0025198278808295045 | 0.008246397561700786 | 0.023663398593636788 | 0.02798984580515762 | - | 0 | 0.009970305300249623 | 0.013727718006677117 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.02222770323504846 | 0.04235664381919547 | 9.965950897384525e-05 | 0.04638553053411486 | 0.018663518741430074 | 0.001719587474627175 | - | 0 | 0 | 0.023405426158406118 S-Total | 0.08022407602680426 | 0.15472126418386983 | 0.12679845662538 | 0.18082347968166906 | 0.14067630850163415 | 0.10518594047995881 | - | 0.057149103229085535 | 0.013046360701527003 | 0.1274102716115597 (2) Commerce de détail Produits pétroliers | 0.002604435972746571 | 0.005433741384946832 | 0.001917771679476121 | 0.005688665417493165 | 0.004267993349275583 | 0.001063618247890913 | - | 0 | 0 | 0.0036487773321621443 Produits pharmaceutiques | 0 | 0 | 4.873019737675021e-06 | 0.0005776437527194621 | 5.123374422525255e-05 | 0.002900948176990968 | - | 0 | 0.00013399310727274998 | 0.00040861910098594583 Véhicules automobiles | 0.000917448976210781 | 0 | 0.00556731792580552 | 0.03716651899171201 | 0.07509844680864741 | 0.020364823917019305 | - | 0.06588986463852632 | 0 | 0.03770620780870994 Produits alimentaires | 0 | 0 | 0.03862976194515253 | 0.03151045332702396 | 0.022717575773654918 | 0.03437052846877223 | - | 0 | 0.0012242097528101248 | 0.021163168622777385 Librairie ,papeterie | 0.0001357839762876489 | 0 | 0 | 0.002446277792203409 | 0.0009676067127673221 | 0.0018838792715660773 | - | 0 | 0.00027529492948764997 | 0.0011954334662283275 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.00663179773982446 | 0.012532664201833599 | 0.008138694666106765 | 0.03665846287843492 | - | 0 | 0 | 0.009350561046990093 Matériaux de construction | 0.0015698231857728185 | 0.0009206504789384107 | 0.01221078818176049 | 0.014183787368772991 | 0.01724705453819507 | 0 | - | 0 | 0 | 0.010500782609718151 Autres | 0.006226296887367192 | 0.20491479519049388 | 0.0005517925052390654 | 0.023999056765859512 | 0.019593085149221826 | 0.009813525533195273 | - | 0.1327393453826859 | 0.0007129042366488811 | 0.020946068796014742 S-Total | 0.011453788998385011 | 0.21126918705437914 | 0.06551410299699587 | 0.1281050676176181 | 0.14808169074209415 | 0.10705578649386968 | - | 0.1986292100212122 | 0.002346402026219406 | 0.10491961878358672 [Secteur d'activité déc. 15 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2015 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 960099 | 515081.66000000003 | 826318.19 | 7133564.8719999995 | 7112013.01 | 1240331.8199999998 | 3976.91 | 363383.78238 | 50546 | 18205315.244379997 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 2153482 | 120959.79000000001 | 106256.70000000001 | 5012795.2530000005 | 3030834.13 | 2436369.8310000002 | 315287.95 | 237925.25677 | 815418 | 14229328.910769999 Industries Manufacturières ( 200 à 290 ) | 994185 | 10229.96 | 600233.0199999999 | 3884199.8200000003 | 5306257.529999999 | 989684.287 | 22240.2 | 721809.96156 | 308473 | 12837312.77856 Prêts aux Particuliers ( 1560 ) | 2965195 | 177069.08 | 897641.5 | 1775905.857 | 1548738.56 | 222659.809 | 463700.07 | 3834.655 | 601553 | 8656297.531 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1898915 | 310490.38 | 858635.25 | 1156242.556 | 5593460.600000001 | 469024.174 | 3092280.01 | 0 | 819885 | 14198932.97 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 512665 | 133438.64 | 72755.29000000001 | 224187.15000000002 | 1003826.81 | 38853.717000000004 | 0 | 45358.89836 | 312059 | 2343144.50536 Bâtiments et Travaux Publics ( 600 ) | 778773 | 131526.77 | 579807.21 | 2589740.673 | 621384.22 | 341213.665 | 0 | 0 | 375817 | 5418262.538 Électricité, Gaz et Eau ( 300 à 500 ) | 209203 | 8567.35 | 355078.51999999996 | 1311380.5380000002 | 325954.72000000003 | 105124.61200000001 | 0 | 48389.528770000004 | 0 | 2363698.268770001 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 4.3 | 3293.344 | 87196.26 | 0 | 0 | 0 | 0 | 90493.904 Total | 10472517 | 1407363.6300000004 | 4296729.9799999995 | 23091310.063 | 24629665.84 | 5843261.915 | 3897485.1399999997 | 1420702.0828399998 | 3283751 | 78342786.65084 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.0916779605132176 | 0.365990458343733 | 0.19231326935745682 | 0.30892854725598073 | 0.28875799843169936 | 0.21226702448781123 | 0.0010203784894995136 | 0.2557776093729599 | 0.015392762727746409 | 0.23238023591779905 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.2056317502277628 | 0.08594778735329403 | 0.024729666628946514 | 0.21708578852059912 | 0.12305624240657582 | 0.41695372660699914 | 0.08089522824967077 | 0.16747019635135937 | 0.24831907169575282 | 0.18162908825528012 Industries Manufacturières ( 200 à 290 ) | 0.09493276544693124 | 0.007268881888044809 | 0.13969530847735515 | 0.16821045706816726 | 0.21544171831118922 | 0.16937188532648548 | 0.005706295008478211 | 0.5080656742032035 | 0.09393921768124319 | 0.16386081383310555 Prêts aux Particuliers ( 1560 ) | 0.28314062416895575 | 0.12581615456411926 | 0.20891270900853773 | 0.07690797326590816 | 0.06288102201877052 | 0.0381053959652945 | 0.11897417266355506 | 0.002699126753115249 | 0.18319080831646492 | 0.11049259160999203 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.18132364931945205 | 0.2206184481263026 | 0.19983458443902496 | 0.0500726270118683 | 0.2271025776937622 | 0.08026752536900444 | 0.7934039255887965 | 0 | 0.24967940626436047 | 0.1812411017913129 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.04895337004466071 | 0.09481461447174103 | 0.01693271169904887 | 0.009708723731496845 | 0.04075681807950993 | 0.006649319774672467 | 0 | 0.03192710062712588 | 0.09503126150551611 | 0.02990887362486839 Bâtiments et Travaux Publics ( 600 ) | 0.0743634982879474 | 0.0934561382689703 | 0.1349415049814231 | 0.1121521761188262 | 0.025229096652656817 | 0.05839438141974849 | 0 | 0 | 0.11444747180891608 | 0.06916096260589047 Électricité, Gaz et Eau ( 300 à 500 ) | 0.01997638199107244 | 0.006087516983794727 | 0.0826392446471584 | 0.05679108436992798 | 0.013234232332565014 | 0.017990741049984237 | 0 | 0.034060292692236205 | 0 | 0.03017123043254241 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1.0007610485218343e-06 | 0.0001426226572253706 | 0.0035402940732711134 | 0 | 0 | 0 | 0 | 0.0011551019292090718 Total | 1 | 0.9999999999999997 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1 | 1 | 1 [Secteur d'activité septembre 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 6.09 | 2819.23 | 88659.57 | 0 | 0 | 0 | 0 | 91484.89000000001 200 | Industrie alimentaire | 411980 | 6301.91 | 68116.3 | 232336.11 | 1098557.65 | 157519.05 | 40840.1 | 274015.72 | 157926 | 2447592.84 210 | Industrie des boissons | 1386 | 0 | 3.78 | 768839.45 | 2440676.15 | 111255.26 | 0 | 244232.04 | 78291 | 3644683.6799999997 220 | Industrie du bois | 18282 | 261.03 | 25913.28 | 140.59 | 0 | 286.17 | 0 | 0 | 0 | 44883.06999999999 230 | Industrie chimique | 0 | 0 | 24000 | 299506.74 | 79472.34 | 79485.68 | 0 | 244696.17 | 0 | 727160.9299999999 240 | Industrie du textile | 269695 | 0 | 100891.71 | 759474.43 | 123787.13 | 196574.21 | 0 | 0 | 9056 | 1459478.48 250 | Industrie pharmacie | 0 | 0 | 5837.73 | 3090.76 | 10474.48 | 17342.66 | 0 | 0 | 0 | 36745.630000000005 260 | Imprimerie, édition | 9463 | 0 | 5469.25 | 217596.64 | 36907.59 | 28110.6 | 0 | 0 | 4542 | 302089.07999999996 270 | Sidérurgie, aciérie | 376194 | 0 | 38896.11 | 413568.79 | 316381.04 | 211187.78 | 0 | 66560.1 | 49195 | 1471982.82 280 | Industrie de la fabrication | 64909 | 3087.35 | 105408.62 | 999240.37 | 522046.02 | 117177.47 | 0 | 12507.68 | 5605 | 1829981.51 290 | Autres industries | 0 | 0 | 121.02 | 104927.18 | 88820.38 | 52184.21 | 0 | 0 | 854 | 246906.79 300 | Production et distribution de l'électricité | 356730 | 0 | 378988.13 | 1019739.65 | 204.02 | 897.21 | 0 | 126617.72 | 0 | 1883176.73 400 | Production et distribution de gaz | 0 | 0 | 2847.28 | 2587.47 | 374644.65 | 96441.07 | 0 | 0 | 0 | 476520.47000000003 500 | Traitement et distribution de l'eau | 0 | 9430.46 | 9477.34 | 284938.7 | 25848.49 | 0 | 0 | 0 | 0 | 329694.99 600 | Entrep/ batiment et corps/ métiers corresp. | 548583 | 175567.61 | 535570.48 | 2696582.92 | 589348.15 | 315028.8 | 0 | 0 | 575009 | 5435689.96 700 | Commerce de gros(1) | 771976 | 136035.79 | 334986.74 | 3758446.95 | 3033083.4 | 546479.22 | 1584.76 | 0 | 23360 | 8605952.860000001 800 | Commerce de détail(2) | 108383 | 359820.93 | 194060.44 | 2651494.27 | 3563570.78 | 575358.98 | 4070.66 | 333537.23 | 9060 | 7799356.290000001 900 | Rest/débits/boissons, casinos/activités/loterie | 81993 | 0 | 11267.53 | 15831.53 | 10986.41 | 18549.26 | 0 | 0 | 7076 | 145703.73 1000 | Hotels,motels et pensions | 277180 | 0 | 8247.69 | 1272988.94 | 291582.24 | 649669.38 | 329073.83 | 0 | 0 | 2828742.08 1100 | Transport | 114998 | 133732.47 | 67596.85 | 65345.86 | 726423.24 | 30940.75 | 0 | 1.15 | 0 | 1139038.3199999998 1200 | Immobilier résidentiel / Avance Hypothécaire | 1222698 | 259232.15 | 566377.35 | 298733.64 | 1122643.48 | 444860.38 | 1961700.44 | 0 | 805461 | 6681706.4399999995 1300 | Immobilier commercial | 600528 | 45374.93 | 237195.85 | 815883.07 | 4157762.83 | 68800.11 | 883362.28 | 0 | 32346 | 6841253.07 1400 | Télécommunications | 420990 | 0 | 3950.35 | 139370.01 | 368107.24 | 1914.25 | 0 | 32109.91 | 310317 | 1276758.76 1500 | Services financiers | 81527 | 11911.46 | 46650.62 | 1555891.64 | 2120374.62 | 992963.09 | 0 | 221620.85 | 653191 | 5684130.279999999 1510 | Services professionnels | 822829 | 24758.89 | 19443.54 | 597221.87 | 171186.55 | 126633.93 | 0 | 0 | 78309 | 1840382.78 1520 | Services médicaux | 2785 | 1253.36 | 1.25 | 47190.19 | 45047.19 | 48788.89 | 0 | 0 | 1246 | 146311.88 1530 | Services d'agence ou de représentation | 1617 | 0 | 4358.76 | 102581.81 | 31209.97 | 121.17 | 0 | 0 | 0 | 139888.71 1540 | Services d'enseignement | 24394 | 0 | 3324.4 | 80254.24 | 9876.91 | 21457.86 | 262.6 | 0 | 5871 | 145441.01000000004 1550 | Autres services | 525228 | 17530.95 | 5684.78 | 1487759.86 | 201465.51 | 403859.81 | 0 | 63300.73 | 15202 | 2720031.64 1560 | Crédit à la consommation | 3137289 | 189169.82 | 836768.23 | 2065655.48 | 1563579.03 | 198729.92 | 436689.99 | 4727.74 | 599364 | 9031973.209999999 Total | 10251637 | 1373469.1099999999 | 3641461.5 | 22760038.39 | 23212727.060000002 | 5512617.169999999 | 3657584.66 | 1623927.04 | 3421281 | 75454742.92999999 (1) Commerce de gros Import-export | 0 | 42642.02 | 252584.63 | 935331.9 | 1177857.08 | 150857 | 0 | 0 | 0 | 2559272.63 Produits pétroliers | 169686 | 0 | 0 | 4266.03 | 8868.01 | 34721 | 0 | 0 | 0 | 217541.04 Produits pharmaceutiques | 0 | 524.77 | 0.17 | 149945.19 | 104948.74 | 17942 | 0 | 0 | 0 | 273360.87 Produits alimentaires | 289545 | 19760.55 | 62905.91 | 1699202.62 | 875248.03 | 228958 | 0 | 0 | 17785 | 3193405.1100000003 Matériaux de construction | 0 | 0 | 9957.13 | 181410.73 | 405308.95 | 108156 | 0 | 0 | 5575 | 710407.81 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 312745 | 73108.46 | 9538.9 | 788290.48 | 460852.6 | 5844 | 0 | 0 | 0 | 1650379.44 S-Total | 771976 | 136035.8 | 334986.74000000005 | 3758446.95 | 3033083.4100000006 | 546478 | - | 0 | 23360 | 8604366.9 (2) Commerce de détail Produits pétroliers | 26912 | 7881.18 | 911.85 | 117152.94 | 98952.68 | 10308 | 0 | 0 | 0 | 262118.65 Produits pharmaceutiques | 0 | 0 | 593.31 | 8461.62 | 1136.07 | 17933 | 0 | 0 | 642 | 28766 Véhicules automobiles | 18869 | 0 | 9319 | 774669.67 | 1611447.82 | 93100 | 0 | 86955.62 | 0 | 2594361.1100000003 Produits alimentaires | 0 | 0 | 102944.43 | 698361.59 | 552338.86 | 191347 | 0 | 0 | 4240 | 1549231.88 Librairie ,papeterie | 1500 | 0 | 0 | 45134.64 | 23631.03 | 10128 | 0 | 0 | 1028 | 81421.67 Appareils électro- ménagers électroni.équip. inform. | 15119 | 0 | 77460.23 | 273009.17 | 205223.76 | 208260 | 0 | 0 | 0 | 779072.1599999999 Matériaux de construction | 0 | 1303.54 | 0 | 271101.18 | 260423.76 | 1 | 0 | 0 | 0 | 532829.48 Autres | 45984 | 350636.2 | 2831.61 | 463603.47 | 810416.79 | 44283 | 0 | 246581.6 | 3151 | 1967487.6700000002 S-Total | 108384 | 359820.92000000004 | 194060.43 | 2651494.2799999993 | 3563570.7699999996 | 575360 | - | 333537.22 | 9061 | 7795288.620000001 [Secteur d'activité septem 15 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 1.6724054339171236e-06 | 0.00012386754150813187 | 0.0038194379217415396 | 0 | 0 | 0 | 0 | 0.001212447176248037 200 | Industrie alimentaire | 0.04018675261326557 | 0.0045883157867307265 | 0.018705758663108207 | 0.010208071973291604 | 0.04732566092559742 | 0.028574276998088736 | 0.011165865946080383 | 0.16873647229865693 | 0.04615990326430364 | 0.03243789250293587 210 | Industrie des boissons | 0.00013519792009802922 | 0 | 1.0380447520864905e-06 | 0.03378023520108834 | 0.10514387834274563 | 0.020181931117121275 | - | 0.1503959438965928 | 0.022883533974555146 | 0.04830291030719174 220 | Industrie du bois | 0.0017833249460549568 | 0.0001900515986122178 | 0.007116175744271908 | 6.177054607331882e-06 | 0 | 5.1911821767227865e-05 | - | 0 | 0 | 0.0005948343107024882 230 | Industrie chimique | 0 | 0 | 0.006590760330707876 | 0.013159324903933081 | 0.003423653747988367 | 0.014418864497350904 | - | 0.15068175107177229 | 0 | 0.009637047344718852 240 | Industrie du textile | 0.026307505815900425 | 0 | 0.0277063783318868 | 0.03336876752957006 | 0.005332726727025066 | 0.03565896269194402 | - | 0 | 0.002646961766659915 | 0.01934243525756851 250 | Industrie pharmacie | 0 | 0 | 0.0016031283043909704 | 0.0001357976619827661 | 0.0004512386663111869 | 0.0031459939018402766 | - | 0 | 0 | 0.000486989002587806 260 | Imprimerie, édition | 0.0009230720908280307 | 0 | 0.0015019381641135023 | 0.009560468935571071 | 0.0015899721693449314 | 0.0050993201837014205 | - | 0 | 0.0013275729178632214 | 0.004003579738920462 270 | Sidérurgie, aciérie | 0.03669599303994084 | 0 | 0.010681455783618747 | 0.018170830071258064 | 0.013629636844573313 | 0.03830989410062735 | - | 0.04098712464323521 | 0.014379117061708758 | 0.019508154992530703 280 | Industrie de la fabrication | 0.006331574167130576 | 0.0022478481514593366 | 0.028946789633777534 | 0.04390328139512422 | 0.022489646246674128 | 0.021256232092024634 | - | 0.00770211942526679 | 0.0016382752542103381 | 0.02425270352716846 290 | Autres industries | 0 | 0 | 3.323390896759447e-05 | 0.004610149517414764 | 0.0038263655868790453 | 0.009466322146219345 | - | 0 | 0.00024961410652910417 | 0.003272250098698998 300 | Production et distribution de l'électricité | 0.034797369434754664 | 0 | 0.10407583054221499 | 0.04480395122918771 | 8.789143967128522e-06 | 0.00016275572424703677 | - | 0.07797007924691 | 0 | 0.024957698573660758 400 | Production et distribution de gaz | 0 | 0 | 0.0007819058364340801 | 0.0001136847818823033 | 0.016139622416255644 | 0.01749460683118687 | - | 0 | 0 | 0.006315315002028065 500 | Traitement et distribution de l'eau | 0 | 0.006866160972488125 | 0.002602619854692958 | 0.012519253927321693 | 0.0011135481812708653 | 0 | - | 0 | 0 | 0.0043694402392419635 600 | Entrep/ batiment et corps/ métiers corresp. | 0.05351174646546693 | 0.127827854825217 | 0.14707569474509066 | 0.11847883882238038 | 0.025389009592740198 | 0.05714686695720611 | - | 0 | 0.16806833463840007 | 0.07203907599344332 700 | Commerce de gros(1) | 0.07530270531428297 | 0.09904539462121578 | 0.09199238822104806 | 0.16513359448687645 | 0.13066467339921412 | 0.09913244528823323 | 0.00043328046984973954 | 0 | 0.006827851906931936 | 0.11405449844264684 800 | Commerce de détail(2) | 0.010572262751792714 | 0.26197963054298323 | 0.053291910404654835 | 0.11649779427283294 | 0.15351797187762217 | 0.10437129266496845 | 0.0011129366449169216 | 0.20538929507571965 | 0.0026481309193837044 | 0.1033646923591739 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007998039727703975 | 0 | 0.0030942329062108717 | 0.0006955845033616395 | 0.0004732925162822295 | 0.003364873603221753 | - | 0 | 0.0020682311683840058 | 0.0019310082354288929 1000 | Hotels,motels et pensions | 0.027037633111667923 | 0 | 0.002264939502999002 | 0.05593087841887423 | 0.012561309114880015 | 0.11785135081310211 | 0.08997025649161597 | 0 | 0 | 0.037489254752670065 1100 | Transport | 0.01121752555226058 | 0.09736838566394844 | 0.018563109894200448 | 0.0028710786370514554 | 0.031294179185511 | 0.005612715167013857 | - | 7.08159893685864e-07 | 0 | 0.01509564907081713 1200 | Immobilier résidentiel | 0.11926856169409822 | 0.18874261394928643 | 0.15553572377464378 | 0.01312535747440802 | 0.04836327403920287 | 0.08069858041674968 | 0.5363376715386815 | 0 | 0.2354267305140969 | 0.08855250419710098 1300 | Immobilier commercial | 0.05857874210723614 | 0.03303673134665548 | 0.065137541616189 | 0.03584717459696692 | 0.1791156557888722 | 0.012480480301518927 | 0.24151519708090638 | 0 | 0.00945435350092553 | 0.0906669720728714 1400 | Télécommunications | 0.04106563663929966 | 0 | 0.0010848254196838274 | 0.0061234523251610384 | 0.015857991999325215 | 0.00034724885493907795 | - | 0.019773000392924057 | 0.09070199144706324 | 0.016920854944591886 1500 | Services financiers | 0.007952583572750381 | 0.008672535780582644 | 0.012810960654121979 | 0.06836067731254823 | 0.09134534751213329 | 0.18012553010279148 | - | 0.13647217180397464 | 0.19092000920123195 | 0.07533164993051816 1510 | Services professionnels | 0.08026318138264162 | 0.018026535740581745 | 0.00533948800502216 | 0.026239932453822192 | 0.0073746849974808595 | 0.022971653226556275 | 0 | 0 | 0.0228887951618122 | 0.02439055132302735 1520 | Services médicaux | 0.00027166393035570806 | 0.000912550556015053 | 3.4326876722436855e-07 | 0.002073379191694764 | 0.0019406246359405562 | 0.008850404171998762 | 0 | 0 | 0.00036419107346049624 | 0.001939068033612344 1530 | Services d'agence ou de représentation | 0.0001577309067810341 | 0 | 0.001196980937461511 | 0.004507101800191647 | 0.0013445197507095487 | 2.1980485178512773e-05 | 0 | 0 | 0 | 0.0018539419070021342 1540 | Services d'enseignement | 0.0023795224118840727 | 0 | 0.0009129301518085528 | 0.0035261030155055027 | 0.00042549546093702267 | 0.003892499576566824 | 7.179601414885636e-05 | 0 | 0.0017160239103423541 | 0.001927526413216024 1550 | Autres services | 0.05123357372095793 | 0.012763992923000652 | 0.0015611259380333966 | 0.06536719466403326 | 0.008679097009121513 | 0.07326099338039105 | - | 0.038980033240902254 | 0.004443364926762812 | 0.036048517752202754 1560 | Crédit à la consommation | 0.306028100682847 | 0.1377313975412232 | 0.22978911901169352 | 0.09075799630055018 | 0.0673586961996528 | 0.03605001288344499 | 0.11939299581380024 | 0.002911300744151658 | 0.1751870132853747 | 0.11970053649747422 Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 (1) Commerce de gros Import-export | 0 | 0.03104694506016229 | 0.06936353164793861 | 0.04109535686947494 | 0.05074186574268021 | 0.02736576753796238 | - | 0 | 0 | 0.0339179822317367 Produits pétroliers | 0.016552088217715862 | 0 | 0 | 0.00018743509685266395 | 0.00038203223503546416 | 0.006298460228465313 | - | 0 | 0 | 0.0028830664786945823 Produits pharmaceutiques | 0 | 0.0003820763031212257 | 4.668455234251413e-08 | 0.006588090381511874 | 0.004521172360693755 | 0.0032547154004528857 | - | 0 | 0 | 0.0036228454221042036 Produits alimentaires | 0.028243781944288508 | 0.014387327575208445 | 0.017274907341461664 | 0.07465728268483822 | 0.03770552368697002 | 0.04153344825866079 | - | 0 | 0.00519834529815002 | 0.04232212563446872 Matériaux de construction | 0 | 0 | 0.0027343773921542215 | 0.007970581019744932 | 0.017460634804017723 | 0.019619719030842843 | - | 0 | 0.0016295066087819153 | 0.009415018624595295 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.030506835152278606 | 0.05322905296355738 | 0.002619525154941223 | 0.0346348484344538 | 0.019853445000615103 | 0.001060113521360309 | - | 0 | 0 | 0.021872441359068323 S-Total | 0.07530270531428297 | 0.09904540190204933 | 0.09199238822104808 | 0.16513359448687642 | 0.1306646738300123 | 0.0991322239777445 | - | 0 | 0.006827851906931935 | 0.11403347975066783 (2) Commerce de détail Produits pétroliers | 0.0026251417212685155 | 0.005738155989543879 | 0.0002504077003148324 | 0.005147308541073159 | 0.004262863201907652 | 0.0018698922276150008 | - | 0 | 0 | 0.0034738525349316965 Produits pharmaceutiques | 0 | 0 | 0.00016293183382551208 | 0.00037177529558639734 | 4.894168604419027e-05 | 0.003253082782093501 | - | 0 | 0.00018764901216824926 | 0.0003812351468308157 Véhicules automobiles | 0.0018405840940329823 | 0 | 0.0025591373134111126 | 0.03403639557745052 | 0.06942087484313013 | 0.016888529917632573 | - | 0.05354650662138121 | 0 | 0.03438300906288702 Produits alimentaires | 0 | 0 | 0.028270086062972242 | 0.030683673640323764 | 0.023794656206154518 | 0.03471073613479313 | - | 0 | 0.001239301887217098 | 0.020531935036041876 Librairie ,papeterie | 0.00014631809534418748 | 0 | 0 | 0.001983065196402773 | 0.001018020413496388 | 0.0018372398604273117 | - | 0 | 0.0003004722500139568 | 0.0010790795493867838 Appareils électro- ménagers électroni.équip. inform. | 0.0014747888556725136 | 0 | 0.02127174212881284 | 0.011995110259565778 | 0.008841001725886833 | 0.03777878883615639 | - | 0 | 0 | 0.010325025700806532 Matériaux de construction | 0 | 0.0009490857788567229 | 0 | 0.011911279557380394 | 0.011219007543872787 | 0 | - | 0 | 0 | 0.0070615770369042334 Autres | 0.0044855275308714115 | 0.2552923814937491 | 0.0007776026191681555 | 0.020369186644416726 | 0.034912605826331544 | 0.008033026534291336 | - | 0.1518427822964263 | 0.000921000058165348 | 0.026075069552953817 S-Total | 0.010572360297189609 | 0.2619796232621497 | 0.053291907658504695 | 0.11649779471219951 | 0.15351797144682405 | 0.10437129629300923 | - | 0.20538928891780753 | 0.002648423207564652 | 0.10331078362074278 [Secteur d'activité sept 15 glo] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2015 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 880359 | 495856.72 | 529047.1799999999 | 6409941.220000001 | 6596654.18 | 1121838.2 | 5655.42 | 333537.23 | 32420 | 16405309.15 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1817553 | 55454.66 | 98978.56999999999 | 5159720.08 | 2881729.4000000004 | 2262043.39 | 329336.43 | 284921.58 | 760895 | 13650632.110000001 Industries Manufacturières ( 200 à 290 ) | 1151909 | 9650.289999999999 | 374657.80000000005 | 3798721.06 | 4717122.779999999 | 971123.09 | 40840.1 | 842011.7100000001 | 305469 | 12211504.83 Prêts aux Particuliers ( 1560 ) | 3137289 | 189169.82 | 836768.23 | 2065655.48 | 1563579.03 | 198729.92 | 436689.99 | 4727.74 | 599364 | 9031973.209999999 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1823226 | 304607.08 | 803573.2 | 1114616.71 | 5280406.3100000005 | 513660.49 | 2845062.7199999997 | 0 | 837807 | 13522959.510000002 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 535988 | 133732.47 | 71547.20000000001 | 204715.87 | 1094530.48 | 32855 | 0 | 32111.06 | 310317 | 2415797.08 Bâtiments et Travaux Publics ( 600 ) | 548583 | 175567.61 | 535570.48 | 2696582.92 | 589348.15 | 315028.8 | 0 | 0 | 575009 | 5435689.96 Électricité, Gaz et Eau ( 300 à 500 ) | 356730 | 9430.46 | 391312.75000000006 | 1307265.82 | 400697.16000000003 | 97338.28000000001 | 0 | 126617.72 | 0 | 2689392.1900000004 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 6.09 | 2819.23 | 88659.57 | 0 | 0 | 0 | 0 | 91484.89000000001 Total | 10251637 | 1373469.1099999999 | 3641461.4999999995 | 22760038.390000004 | 23212727.06 | 5512617.17 | 3657584.6599999997 | 1623927.04 | 3421281 | 75454742.92999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.0858749680660757 | 0.361025025164199 | 0.14528429862570288 | 0.28163138875970933 | 0.28418264527683634 | 0.20350373795320162 | 0.0015462171147666616 | 0.20538929507571965 | 0.00947598282631564 | 0.2174191908018207 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.17729392876474265 | 0.040375615000180096 | 0.0271810013644247 | 0.22670085136003143 | 0.12414437099748506 | 0.41033928535980674 | 0.09004205250576483 | 0.1754522050448769 | 0.2224006154419938 | 0.18091151834767774 Industries Manufacturières ( 200 à 290 ) | 0.11236342059321842 | 0.00702621553680228 | 0.10288665690959525 | 0.16690310424384128 | 0.2032127792571391 | 0.17616370955068517 | 0.011165865946080385 | 0.518503411335524 | 0.08928497834583012 | 0.1618387970830239 Prêts aux Particuliers ( 1560 ) | 0.306028100682847 | 0.1377313975412232 | 0.22978911901169355 | 0.09075799630055016 | 0.06735869619965282 | 0.03605001288344498 | 0.11939299581380025 | 0.002911300744151658 | 0.1751870132853747 | 0.11970053649747422 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.17784730380133437 | 0.22177934529594193 | 0.2206732653908328 | 0.04897253207137493 | 0.22747892982807513 | 0.09317906071826859 | 0.7778528686195879 | 0 | 0.24488108401502245 | 0.1792194762699724 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.052283162191560234 | 0.09736838566394844 | 0.01964793531388428 | 0.008994530962212493 | 0.04715217118483622 | 0.005959964021952934 | 0 | 0.019773708552817744 | 0.09070199144706324 | 0.03201650401540902 Bâtiments et Travaux Publics ( 600 ) | 0.05351174646546693 | 0.127827854825217 | 0.1470756947450907 | 0.11847883882238036 | 0.0253890095927402 | 0.0571468669572061 | 0 | 0 | 0.16806833463840007 | 0.07203907599344332 Électricité, Gaz et Eau ( 300 à 500 ) | 0.034797369434754664 | 0.006866160972488125 | 0.10746035623334206 | 0.0574368899383917 | 0.01726195974149364 | 0.017657362555433903 | 0 | 0.07797007924691 | 0 | 0.035642453814930794 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 1.6724054339171238e-06 | 0.00012386754150813184 | 0.00381943792174154 | 0 | 0 | 0 | 0 | 0.001212447176248037 Total | 1 | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1 [Secteur d'activité juin 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 999.73 | 90224.1 | 0 | 0 | 0 | 0 | 91223.83 200 | Industrie alimentaire | 505062 | 6306.91 | 50390.73 | 283914.84 | 1131463.34 | 173287.39 | 39105.43 | 331324.17 | 159274 | 2680128.81 210 | Industrie des boissons | 4018 | 0 | 33733.24 | 624269.44 | 2239352.61 | 110234.18 | 0 | 327162.18 | 81344 | 3420113.6500000004 220 | Industrie du bois | 16775 | 338.31 | 0 | 1321.51 | 0 | 0 | 0 | 0 | 0 | 18434.82 230 | Industrie chimique | 0 | 33.85 | 24000 | 335672.67 | 95243.54 | 86306.82 | 0 | 244003.08 | 0 | 785259.9599999998 240 | Industrie du textile | 273965 | 0 | 81819.89 | 701075.74 | 261922.46 | 155960.09 | 0 | 0 | 9162 | 1483905.18 250 | Industrie pharmacie | 0 | 0 | 18649.25 | 367.14 | 7131.69 | 17902.29 | 0 | 0 | 0 | 44050.369999999995 260 | Imprimerie, édition | 139450 | 0 | 5521.3 | 151462.56 | 128933.01 | 53117.93 | 0 | 0 | 4501 | 482985.8 270 | Sidérurgie, aciérie | 406290 | 0 | 48140.6 | 459474.86 | 343513.14 | 217091.44 | 0 | 77738.9 | 48452 | 1600700.94 280 | Industrie de la fabrication | 66297 | 1892 | 136638.93 | 995032.06 | 593335.81 | 98813.54 | 0 | 127742.55 | 3531 | 2023282.8900000001 290 | Autres industries | 0 | 0 | 0 | 124890.94 | 119423.14 | 50928.25 | 0 | 0 | 4158 | 299400.33 300 | Production et distribution de l'électricité | 618860 | 0 | 401566.4 | 1041002.6 | 595 | 944.63 | 0 | 157526.1 | 0 | 2220494.73 400 | Production et distribution de gaz | 0 | 0 | 3315.22 | 9270.91 | 776725.59 | 99056.77 | 0 | 0 | 0 | 888368.49 500 | Traitement et distribution de l'eau | 0 | 11584.96 | 8410.4 | 250092.73 | 36546.2 | 5399.96 | 0 | 0 | 0 | 312034.25000000006 600 | Entrep/ batiment et corps/ métiers corresp. | 291886 | 173117.57 | 434090.96 | 3184840.55 | 653470.88 | 304101.12 | 0 | 0 | 605502 | 5647009.08 700 | Commerce de gros(1) | 1117704 | 133431.06 | 550747.29 | 3899693.21 | 3227625.4 | 594603.64 | 7206.9 | 7806.74 | 41170 | 9579988.240000002 800 | Commerce de détail(2) | 134319 | 388895.08 | 177489.11 | 3556164.74 | 3943767.52 | 628985.18 | 5771.59 | 467668.16 | 7982 | 9311042.379999999 900 | Rest/débits/boissons, casinos/activités/loterie | 81243 | 0 | 6704.88 | 7519.99 | 11421.66 | 19462.23 | 0 | 0 | 6986 | 133337.76 1000 | Hotels,motels et pensions | 170793 | 0 | 9324.79 | 1104221.18 | 254069.57 | 649680.27 | 326541.52 | 0 | 0 | 2514630.33 1100 | Transport | 113869 | 137234.9 | 51999.97 | 281598.02 | 619451.06 | 38321.74 | 0 | 0 | 0 | 1242474.6900000002 1200 | Immobilier résidentiel / Avance Hypothécaire | 1186795 | 261272.79 | 461060.56 | 141541.59 | 1178901.47 | 440630.64 | 1944576.23 | 0 | 805116 | 6419894.28 1300 | Immobilier commercial | 600978 | 43477.1 | 70487.46 | 747726.72 | 4213379.84 | 72260.04 | 790765.18 | 0 | 35339 | 6574413.339999999 1400 | Télécommunications | 466413 | 0 | 4372.71 | 116652.63 | 458693.64 | 2532.3 | 0 | 0 | 409653 | 1458317.28 1500 | Services financiers | 67693 | 46960.86 | 50164.24 | 1650902.94 | 1978318.2 | 997723.75 | 0 | 141074.61 | 693999 | 5626836.600000001 1510 | Services professionnels | 850875 | 24727.13 | 53531.35 | 107068.49 | 206375.74 | 127075.65 | 0 | 4.2 | 24253 | 1393910.5599999998 1520 | Services médicaux | 48635 | 1346.35 | 300.81 | 11686.07 | 42371.76 | 53253.44 | 0 | 0 | 1400 | 158993.43 1530 | Services d'agence ou de représentation | 1123 | 0 | 4415.57 | 128017.05 | 34318.42 | 150.52 | 0 | 0 | 573 | 168597.55999999997 1540 | Services d'enseignement | 27979 | 0 | 15613.09 | 156004.46 | 10610.58 | 22449.7 | 225.76 | 0 | 7760 | 240642.59 1550 | Autres services | 346660 | 20795.77 | 5871.66 | 696289.92 | 189743.15 | 426727.29 | 0 | 82259.37 | 15774 | 1784121.1600000001 1560 | Crédit à la consommation | 2587182 | 228423.05 | 818510.77 | 2712987.64 | 1647559.76 | 241108.5 | 481269.96 | 6813.92 | 590874 | 9314729.6 Total | 10124864 | 1479837.6900000002 | 3526871.1799999997 | 23481762.930000003 | 24494488.28 | 5688109.300000002 | 3595462.57 | 1971123.9799999995 | 3556803 | 77919322.92999999 (1) Commerce de gros Import-export | 862 | 39575.82 | 53775.63 | 990037.91 | 1241038.36 | 169677 | 0 | 0 | 0 | 2494966.72 Produits pétroliers | 408735 | 0 | 0 | 3298.36 | 0 | 22503 | 0 | 0 | 0 | 434536.36 Produits pharmaceutiques | 0 | 1304.26 | 584.27 | 154657.11 | 99073.43 | 17973 | 0 | 0 | 0 | 273592.06999999995 Produits alimentaires | 397729 | 20067.97 | 213918.04 | 1711533.74 | 789168.98 | 235536 | 0 | 7806.74 | 23874 | 3399634.47 Matériaux de construction | 0 | 0 | 0 | 235641.41 | 550069.98 | 143326 | 0 | 0 | 17296 | 946333.39 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 310377 | 72483.01 | 282469.35 | 804524.69 | 548274.66 | 5588 | 0 | 0 | 0 | 2023716.71 S-Total | 1117703 | 133431.06 | 550747.29 | 3899693.22 | 3227625.41 | 594603 | - | 7806.74 | 41170 | 9572779.719999999 (2) Commerce de détail Produits pétroliers | 27375 | 8108.34 | 927.47 | 125341.58 | 76531.82 | 36921 | 0 | 0 | 0 | 275205.21 Produits pharmaceutiques | 0 | 0 | 0 | 8719.42 | 2580.83 | 22665 | 0 | 0 | 325 | 34290.25 Véhicules automobiles | 18131 | 0 | 47848.13 | 1064241.7 | 1871480.74 | 101367 | 0 | 213874.43 | 0 | 3316943.0000000005 Produits alimentaires | 1464 | 0 | 69160.45 | 911551.46 | 619683.9 | 190172 | 0 | 0 | 4612 | 1796643.81 Librairie ,papeterie | 1636 | 0 | 0 | 45594.87 | 25038.92 | 12127 | 0 | 0 | 1151 | 85547.79000000001 Appareils électro- ménagers électroni.équip. inform. | 14653 | 0 | 6652.26 | 283776.17 | 196673.09 | 215442 | 0 | 0 | 0 | 717196.52 Matériaux de construction | 0 | 0 | 0 | 265926.63 | 240343.9 | 691 | 0 | 0 | 0 | 506961.53 Autres | 71058 | 380786.74 | 52900.79 | 851012.9 | 911434.32 | 49600 | 0 | 253793.73 | 1894 | 2572480.48 S-Total | 134317 | 388895.08 | 177489.09999999998 | 3556164.73 | 3943767.5199999996 | 628985 | - | 467668.16000000003 | 7982 | 9305268.59 [Secteur d'activité juin 15 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 4.2574742066012326e-05 | 0.003683444984383238 | 0 | 0 | 0 | 0 | 0.0011707472109575737 200 | Industrie alimentaire | 0.04988333670457203 | 0.0042618930728815264 | 0.014287658218353188 | 0.012090865615429327 | 0.04619256900026164 | 0.030464848838259836 | 0.010876327937965434 | 0.16808895501337265 | 0.044780101681200786 | 0.03439620249790587 210 | Industrie des boissons | 0.0003968448366318797 | 0 | 0.00956463626777545 | 0.02658528841556616 | 0.09142271454711116 | 0.019379757699100466 | 0 | 0.1659774744356771 | 0.02286997621178345 | 0.043893010377830305 220 | Industrie du bois | 0.0016568123779242862 | 0.0002286129095684811 | 0 | 5.6278142486127205e-05 | 0 | 0 | 0 | 0 | 0 | 0.00023658855476145756 230 | Industrie chimique | 0 | 2.2874130202752166e-05 | 0.0068048983858832075 | 0.014295037003850713 | 0.0038883661871706586 | 0.015173199994592225 | 0 | 0.12378880398989416 | 0 | 0.010077859130083177 240 | Industrie du textile | 0.027058635059196843 | 0 | 0.02319900155808923 | 0.029856179967830035 | 0.010693118264236707 | 0.02741861693832078 | 0 | 0 | 0.002575908758511506 | 0.019044123128907173 250 | Industrie pharmacie | 0 | 0 | 0.005287760467622183 | 1.563511228243202e-05 | 0.0002911548883355566 | 0.0031473182134527542 | 0 | 0 | 0 | 0.0005653330694309717 260 | Imprimerie, édition | 0.013773024506798313 | 0 | 0.0015654952274157064 | 0.006450220984323683 | 0.005263756014257098 | 0.009338415842325672 | 0 | 0 | 0.0012654622704715442 | 0.006198536920474753 270 | Sidérurgie, aciérie | 0.04012794640994684 | 0 | 0.01364966213481038 | 0.019567306823159377 | 0.014024099465694165 | 0.03816583482318104 | 0 | 0.03943886878186121 | 0.013622345685156023 | 0.020543055044741777 280 | Industrie de la fabrication | 0.006547939804426015 | 0.001278518592130195 | 0.03874225142524202 | 0.042374674464018186 | 0.02422323762054114 | 0.01737194817968775 | 0 | 0.06480695851511077 | 0.0009927454514630132 | 0.025966381815427826 290 | Autres industries | 0 | 0 | 0 | 0.005318635588490714 | 0.004875510712240933 | 0.008953458401370731 | 0 | 0 | 0.0011690273540592494 | 0.0038424400872806718 300 | Production et distribution de l'électricité | 0.06112279631607891 | 0 | 0.11385910613270543 | 0.04433238692951917 | 2.4291179027643684e-05 | 0.00016607100007730156 | 0 | 0.0799168908695434 | 0 | 0.02849735657989245 400 | Production et distribution de gaz | 0 | 0 | 0.0009399889677853218 | 0.00039481320153162785 | 0.031710219095869185 | 0.017414709312987352 | 0 | 0 | 0 | 0.01140113205036547 500 | Traitement et distribution de l'eau | 0 | 0.007828534222560583 | 0.002384663224359672 | 0.010650509109794508 | 0.001492017289042137 | 0.0009493418138079728 | 0 | 0 | 0 | 0.004004581126562416 600 | Entrep/ batiment et corps/ métiers corresp. | 0.028828634142641325 | 0.11698416060750554 | 0.12308103637627049 | 0.13563038514161507 | 0.02667828258055775 | 0.053462601360350075 | 0 | 0 | 0.1702377106631995 | 0.07247251217869381 700 | Commerce de gros(1) | 0.11039200131478309 | 0.09016601003046489 | 0.15615747269793961 | 0.16607327233586033 | 0.13176945617742866 | 0.10453449619893905 | 0.0020044430611330212 | 0.003960552496550725 | 0.011575001483073423 | 0.12294752931318885 800 | Commerce de détail(2) | 0.013266252267684782 | 0.2627957664735516 | 0.05032480658961862 | 0.15144368634506097 | 0.1610063241541619 | 0.11057895459217 | 0.0016052426878692275 | 0.23725963701177238 | 0.002244150153944427 | 0.11949593540956092 900 | Rest/débits/boissons, casinos/activités/loterie | 0.008024107780608214 | 0 | 0.0019010844620641915 | 0.00032024810157641766 | 0.000466295105635087 | 0.003421563998427385 | 0 | 0 | 0.0019641233995810283 | 0.0017112284217328994 1000 | Hotels,motels et pensions | 0.016868671026099707 | 0 | 0.002643927017487495 | 0.04702462857204222 | 0.01037252001738899 | 0.11421726196435779 | 0.09082044761767609 | 0 | 0 | 0.03227223024331277 1100 | Transport | 0.011246472051377679 | 0.09273645409044824 | 0.014743937996623966 | 0.011992200962059538 | 0.0252894060459221 | 0.0067371666012114055 | 0 | 0 | 0 | 0.01594565562532154 1200 | Immobilier résidentiel | 0.11721589544313879 | 0.17655503151835522 | 0.13072792752243365 | 0.006027724171389545 | 0.04812925489701228 | 0.07746522029736663 | 0.5408417393147831 | 0 | 0.22635945819883754 | 0.08239155627375523 1300 | Immobilier commercial | 0.05935664913622544 | 0.02937964095238039 | 0.019985833449125297 | 0.031842869814715395 | 0.17201338488219275 | 0.012703701034718157 | 0.21993419889780694 | 0 | 0.00993560790406441 | 0.08437462098979252 1400 | Télécommunications | 0.046066100245889724 | 0 | 0.0012398269675389733 | 0.004967796938745433 | 0.018726402232069818 | 0.00044519186718159574 | 0 | 0 | 0.1151744979972183 | 0.018715733468450457 1500 | Services financiers | 0.006685818199632113 | 0.03173379102136532 | 0.014223439825210741 | 0.07030574939885911 | 0.08076585137789209 | 0.17540516494646116 | 0 | 0.07157064265434994 | 0.19511876255165103 | 0.07221362286547273 1510 | Services professionnels | 0.08403816584598074 | 0.016709352766924052 | 0.015178141550381209 | 0.00455964444914869 | 0.0084253950374831 | 0.022340578089805687 | 0 | 2.13076399182156e-06 | 0.006818763929292682 | 0.01788915133736776 1520 | Services médicaux | 0.004803521311496134 | 0.000909795722259243 | 8.529089514406364e-05 | 0.0004976657857775245 | 0.001729848752733364 | 0.009362239224200559 | 0 | 0 | 0.00039361190372365297 | 0.0020404878279401137 1530 | Services d'agence ou de représentation | 0.00011091507006908933 | 0 | 0.0012519793819064297 | 0.005451764860314088 | 0.001401067032211542 | 2.6462220056144132e-05 | 0 | 0 | 0.0001610997291668951 | 0.0021637451874609095 1540 | Services d'enseignement | 0.0027633951428878453 | 0 | 0.004426895455818719 | 0.006643643429373468 | 0.0004331823501968664 | 0.003946777183061513 | 6.279025177002468e-05 | 0 | 0.0021817345520682477 | 0.0030883557627443057 1550 | Autres services | 0.034238484586064565 | 0.014052737094430943 | 0.0016648354023522914 | 0.029652369887033857 | 0.007746361051964789 | 0.07502093709767495 | 0 | 0.041732215139506354 | 0.004434881549526358 | 0.02289703109462068 1560 | Crédit à la consommation | 0.25552758041984563 | 0.15435682679497098 | 0.23207844240004255 | 0.11553594370608015 | 0.06726246905697758 | 0.042388162266853754 | 0.13385481023099624 | 0.003456870328369706 | 0.16612502857200695 | 0.11954325640596272 Total | 1 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1 | 0.9999999999999996 | 1 | 1.0000000000000002 | 1 | 1.0000000000000002 (1) Commerce de gros Import-export | 8.513694603700356e-05 | 0.02674335183340275 | 0.01524740407445219 | 0.0421619923917697 | 0.05066602518140052 | 0.02983012299007685 | 0 | 0 | 0 | 0.032019871659323726 Produits pétroliers | 0.040369431135075 | 0 | 0 | 0.00014046475172381785 | 0 | 0.00395614760778243 | 0 | 0 | 0 | 0.005576747123308199 Produits pharmaceutiques | 0 | 0.0008813534138328372 | 0.00016566241582999922 | 0.006586264858436673 | 0.00404472340338273 | 0.003159749409175382 | 0 | 0 | 0 | 0.0035112223735027258 Produits alimentaires | 0.039282404188342675 | 0.013560926401327162 | 0.06065377187947081 | 0.07288778722032689 | 0.0322182268508285 | 0.04140848699936197 | 0 | 0.003960552496550725 | 0.006712207563927494 | 0.043630184942111384 Matériaux de construction | 0 | 0 | 0 | 0.010035081722886637 | 0.022456888003214083 | 0.02519747642683307 | 0 | 0 | 0.004862793919145929 | 0.012145041235152325 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 0.030654930278569668 | 0.04898037838190213 | 0.08009063432818661 | 0.034261681816579 | 0.022383593146857936 | 0.0009824002502905487 | 0 | 0 | 0 | 0.02597194936893942 S-Total | 0.11039190254802433 | 0.09016601003046489 | 0.15615747269793961 | 0.16607327276172273 | 0.1317694565856838 | 0.10453438368352025 | - | 0.003960552496550725 | 0.011575001483073423 | 0.12285501670233777 (2) Commerce de détail Produits pétroliers | 0.0027037400206066965 | 0.00547920900703644 | 0.0002629724627481291 | 0.005337826651842447 | 0.0031244506570275656 | 0.006490909026660227 | - | 0 | 0 | 0.0035319250687949996 Produits pharmaceutiques | 0 | 0 | 0 | 0.0003713273158405061 | 0.00010536370347884645 | 0.003984628073163079 | - | 0 | 9.1374191935848e-05 | 0.00044007376746336936 Véhicules automobiles | 0.0017907401027806398 | 0 | 0.01356673594185541 | 0.04532205282765794 | 0.07640415748256651 | 0.017820860087903016 | - | 0.1085037938608002 | 0 | 0.04256894022269452 Produits alimentaires | 0.00014459453480066497 | 0 | 0.019609576440498176 | 0.03881954956778025 | 0.025298911857896546 | 0.03343325347141272 | - | 0 | 0.0012966700714096338 | 0.02305774411841389 Librairie ,papeterie | 0.00016158241730456825 | 0 | 0 | 0.0019417140925883623 | 0.0010222267031577276 | 0.002131991380686021 | - | 0 | 0.00032360521513280326 | 0.0010979021221328266 Appareils électro- ménagers électroni.équip. inform. | 0.0014472293158703168 | 0 | 0.0018861647223531426 | 0.012084960181479865 | 0.00802927939346198 | 0.03787585446011031 | - | 0 | 0 | 0.009204347433104679 Matériaux de construction | 0 | 0 | 0 | 0.011324815380886736 | 0.009812162526222001 | 0.00012148149122239964 | - | 0 | 0 | 0.006506236334412667 Autres | 0.007018168342804407 | 0.2573165574665151 | 0.014999354186789438 | 0.03624143990112245 | 0.03720977183035072 | 0.008719944956050683 | - | 0.12875584315097222 | 0.0005325006754661419 | 0.03301466675103205 S-Total | 0.013266054734167292 | 0.2627957664735515 | 0.05032480375424429 | 0.15144368591919855 | 0.1610063241541619 | 0.11057892294720845 | - | 0.2372596370117724 | 0.002244150153944427 | 0.119421835818049 [Secteur d'activité juin 15 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2015 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1252023 | 522326.14 | 728236.4 | 7455857.95 | 7171392.92 | 1223588.82 | 12978.49 | 475474.89999999997 | 49152 | 18891030.619999997 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1595001 | 93830.11000000002 | 145926.39 | 3861710.1000000006 | 2727229.0799999996 | 2296522.8499999996 | 326767.28 | 223338.18 | 750745 | 12021069.989999998 Industries Manufacturières ( 200 à 290 ) | 1411857 | 8571.07 | 398893.93999999994 | 3677481.76 | 4920318.739999999 | 963641.9300000002 | 39105.43 | 1107970.88 | 310422 | 12838262.749999996 Prêts aux Particuliers ( 1560 ) | 2587182 | 228423.05 | 818510.77 | 2712987.64 | 1647559.76 | 241108.5 | 481269.96 | 6813.92 | 590874 | 9314729.6 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1787773 | 304749.89 | 531548.02 | 889268.3099999999 | 5392281.31 | 512890.68 | 2735341.41 | 0 | 840455 | 12994307.62 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 580282 | 137234.9 | 56372.68 | 398250.65 | 1078144.7000000002 | 40854.04 | 0 | 0 | 409653 | 2700791.97 Bâtiments et Travaux Publics ( 600 ) | 291886 | 173117.57 | 434090.96 | 3184840.55 | 653470.88 | 304101.12 | 0 | 0 | 605502 | 5647009.08 Électricité, Gaz et Eau ( 300 à 500 ) | 618860 | 11584.96 | 413292.02 | 1300366.24 | 813866.7899999999 | 105401.36000000002 | 0 | 157526.1 | 0 | 3420897.4699999997 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 999.73 | 90224.1 | 0 | 0 | 0 | 0 | 91223.83 Total | 10124864 | 1479837.6899999997 | 3526871.18 | 23481762.929999996 | 24494488.279999997 | 5688109.3 | 3595462.5700000003 | 1971123.98 | 3556803 | 77919322.92999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.12365825358246788 | 0.35296177650401656 | 0.20648227928755822 | 0.3175169586809214 | 0.29277578033159063 | 0.2151134507911091 | 0.0036096857490022483 | 0.24122018950832305 | 0.01381915163701785 | 0.24244346472274972 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1575330789628384 | 0.06340567660497959 | 0.04137559399036514 | 0.16445571448412546 | 0.11134052072550583 | 0.40374098472404524 | 0.0908832378694461 | 0.1133049885578481 | 0.21107297761500987 | 0.15427585274065214 Industries Manufacturières ( 200 à 290 ) | 0.13944453969949622 | 0.005791898704782956 | 0.11310136368519134 | 0.1566101221174368 | 0.20087452669984907 | 0.16941339893029134 | 0.010876327937965433 | 0.5621010607359157 | 0.08727556741264557 | 0.16476353062684393 Prêts aux Particuliers ( 1560 ) | 0.25552758041984563 | 0.15435682679497104 | 0.23207844240004252 | 0.11553594370608018 | 0.0672624690569776 | 0.04238816226685377 | 0.1338548102309962 | 0.003456870328369705 | 0.16612502857200695 | 0.11954325640596272 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.17657254457936422 | 0.20593467247073569 | 0.15071376097155892 | 0.03787059398610495 | 0.22014263977920506 | 0.09016892133208482 | 0.7607759382125899 | 0 | 0.23629506610290196 | 0.16676617726354775 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.0573125722972674 | 0.09273645409044827 | 0.015983764964162938 | 0.016959997900804977 | 0.04401580827799193 | 0.007182358468393004 | 0 | 0 | 0.1151744979972183 | 0.034661389093772 Bâtiments et Travaux Publics ( 600 ) | 0.028828634142641325 | 0.11698416060750558 | 0.12308103637627048 | 0.1356303851416151 | 0.026678282580557756 | 0.05346260136035009 | 0 | 0 | 0.1702377106631995 | 0.07247251217869381 Électricité, Gaz et Eau ( 300 à 500 ) | 0.06112279631607891 | 0.007828534222560584 | 0.11718375832485041 | 0.05537770924084533 | 0.03322652756393897 | 0.018530122126872637 | 0 | 0.07991689086954339 | 0 | 0.04390306975682033 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 4.257474206601234e-05 | 0.0036834449843832382 | 0 | 0 | 0 | 0 | 0.0011707472109575737 Total | 0.9999999999999999 | 1.0000000000000004 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 [Sheet2] [Sheet3] [Secteur d'activité mars 15] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 1385.65 | 91482.44 | 0 | 0 | 0 | 0 | 92868.09 200 | Industrie alimentaire | 319338 | 6316 | 19234.64 | 370588.11 | 1146703.81 | 178893.7 | 20656.68 | 235801.73 | 161652 | 2459184.67 210 | Industrie des boissons | 4006 | 0 | 8648.47 | 560531.55 | 2190603.46 | 110472.89 | 0 | 288559.71 | 84398 | 3247220.08 220 | Industrie du bois | 17934 | 413.77 | 4011.62 | 3031.37 | 0 | 0 | 0 | 0 | 0 | 25390.76 230 | Industrie chimique | 0 | 178.03 | 24000 | 377744.2 | 105220.37 | 80902.95 | 0 | 0 | 0 | 588045.5499999999 240 | Industrie du textile | 281522 | 0 | 81768.11 | 595494.26 | 261827.29 | 97941.45 | 0 | 0 | 9496 | 1328049.1099999999 250 | Industrie pharmacie | 0 | 0 | 6817.5 | 456.51 | 10411.13 | 0 | 0 | 0 | 0 | 17685.14 260 | Imprimerie, édition | 106001 | 0 | 3231.37 | 123115.34 | 87867.99 | 38879.22 | 0 | 27300.61 | 4538 | 390933.53 270 | Sidérurgie, aciérie | 430323 | 0 | 23415.37 | 510010.55 | 355329.57 | 65182.37 | 0 | 75017.95 | 45290 | 1504568.81 280 | Industrie de la fabrication | 67557 | 0 | 53819.97 | 905169.44 | 587458.34 | 50240.89 | 0 | 59372.42 | 3858 | 1727476.0599999998 290 | Autres industries | 0 | 0 | 60425.92 | 118808.2 | 112231.77 | 45284.95 | 0 | 0 | 4566 | 341316.84 300 | Production et distribution de l'électricité | 1001049 | 0 | 206773.778 | 949775.95 | 96464.65 | 913.21 | 0 | 70457.76 | 0 | 2325434.3479999998 400 | Production et distribution de gaz | 0 | 0 | 3773.37 | 9708.27 | 2110385.65 | 91183.62 | 0 | 0 | 0 | 2215050.91 500 | Traitement et distribution de l'eau | 0 | 12606.49 | 9355.36 | 281780.53 | 36766.04 | 6649.18 | 0 | 0 | 0 | 347157.6 600 | Entrep/ batiment et corps/ métiers corresp. | 7 | 168612.78 | 54147 | 2525627.55 | 624475.45 | 256624.8 | 0 | 25895.96 | 374694 | 4030084.539999999 700 | Commerce de gros(1) | 1234979 | 136224.43 | 598872.18 | 3710670.53 | 3413581.94 | 553654.92 | 2747.06 | 349280.54 | 22233 | 10022243.6 800 | Commerce de détail(2) | 111021 | 369242.69 | 101269.63 | 3402006.65 | 3897490.33 | 602831.78 | 6911.42 | 605022.84 | 8425 | 9104221.34 900 | Rest/débits/boissons, casinos/activités/loterie | 75882 | 0 | 4266.89 | 8898.28 | 14897.37 | 16677.68 | 0 | 0 | 4853 | 125475.22 1000 | Hotels,motels et pensions | 160270 | 0 | 14158.2 | 1021537.02 | 260083.15 | 583488.74 | 272075.55 | 0 | 0 | 2311612.6599999997 1100 | Transport | 78737 | 132582.28 | 31409.78 | 303154.33 | 573982.55 | 25427.17 | 0 | 0 | 0 | 1145293.1099999999 1200 | Immobilier résidentiel / Avance Hypothécaire | 1120118 | 255038.86 | 496676.14 | 182200.85 | 1080798.3 | 514921.09 | 2040336.57 | 0 | 800490 | 6490579.8100000005 1300 | Immobilier commercial | 552151 | 43193.24 | 43496.39 | 702698.91 | 4087284.2 | 31063.11 | 702910.92 | 0 | 36002 | 6198799.7700000005 1400 | Télécommunications | 478180 | 0 | 4463.88 | 114526.4 | 551347.66 | 3599.15 | 0 | 65031.99 | 392649 | 1609798.0799999998 1500 | Services financiers | 6729 | 0 | 22207.41 | 1546273.74 | 1562647.58 | 903782.73 | 0 | 616927.48 | 816716 | 5475283.9399999995 1510 | Services professionnels | 1088964 | 24147.3 | 71650.52 | 95014.5 | 202041.89 | 139031.79 | 0 | 0 | 23280 | 1644130 1520 | Services médicaux | 78638 | 1321.01 | 1.58 | 8920.73 | 39845.17 | 47813.55 | 0 | 0 | 811 | 177351.03999999998 1530 | Services d'agence ou de représentation | 2725 | 0 | 4410.14 | 121612.09 | 39369.74 | 70671.91 | 0 | 0 | 652 | 239440.88 1540 | Services d'enseignement | 23799 | 0 | 6080.59 | 150559.75 | 9509.3 | 20023.85 | 0 | 0 | 6970 | 216942.49 1550 | Autres services | 331011 | 17853.78 | 6724.48 | 873745.6 | 143929.91 | 727226.08 | 0 | 63395.55 | 25851 | 2189737.3999999994 1560 | Crédit à la consommation | 2571722 | 226230.75 | 773839.87 | 2601887.36 | 1474810.86 | 208959.42 | 433795.63 | 8338.46 | 576174 | 8875758.350000001 Total | 10142663 | 1393961.4100000001 | 2738950.1579999994 | 22176934.22 | 25168847.91 | 5472342.199999999 | 3479433.83 | 2490403 | 3403598 | 76467133.72800002 (1) Commerce de gros Import-export | 1667 | 42119.51 | 11716.37 | 949820.08 | 1314248.5 | 134811 | 0 | 0 | 0 | 2454382.46 Produits pétroliers | 432843 | 0 | 822.63 | 3673.51 | 75.38 | 12216 | 0 | 0 | 0 | 449630.52 Produits pharmaceutiques | 0 | 1606.28 | 342.9 | 137933.81 | 98364.88 | 22492 | 0 | 0 | 0 | 260739.87 Produits alimentaires | 478536 | 15926.13 | 394424.64 | 1607367.93 | 793088.16 | 204605 | 0 | 50958.97 | 22233 | 3567139.8300000005 Matériaux de construction | 0 | 0 | 61973.97 | 360472.13 | 644898.19 | 173006 | 0 | 0 | 0 | 1240350.29 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 321932 | 76572.51 | 129591.66 | 651403.07 | 562906.84 | 6525 | 0 | 298321.57 | 0 | 2047252.6500000001 S-Total | 1234978 | 136224.43 | 598872.17 | 3710670.53 | 3413581.9499999997 | 553655 | - | 349280.54000000004 | 22233 | 10019495.620000001 (2) Commerce de détail Produits pétroliers | 21930 | 8210.13 | 0 | 120302 | 90715.74 | 43825 | 0 | 0 | 0 | 284982.87 Produits pharmaceutiques | 0 | 0 | 0 | 10161.83 | 2733.92 | 19189 | 0 | 0 | 238 | 32322.75 Véhicules automobiles | 1930 | 0 | 55580.92 | 1037859.85 | 1929683.47 | 111176 | 0 | 429597.28 | 0 | 3565827.5200000005 Produits alimentaires | 1270 | 0 | 6491.92 | 785989.47 | 576452.69 | 167618 | 0 | 0 | 4899 | 1542721.08 Librairie ,papeterie | 1780 | 0 | 0 | 49693.97 | 24603.78 | 10703 | 0 | 0 | 1274 | 88054.75 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 6139.54 | 277967.05 | 215046.15 | 195758 | 0 | 0 | 0 | 694910.74 Matériaux de construction | 14081 | 0 | 0 | 243734.81 | 244804.65 | 543 | 0 | 27923.56 | 0 | 531087.02 Autres | 70031 | 361032.57 | 33057.25 | 876297.68 | 813449.93 | 54019 | 0 | 147502 | 2015 | 2357404.43 S-Total | 111022 | 369242.7 | 101269.62999999999 | 3402006.66 | 3897490.3299999996 | 602831 | - | 605022.8400000001 | 8426 | 9097311.16 [Secteur d'activité mars 15 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2015 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 6.248158497716824e-05 | 0.003634748810399562 | 0 | 0 | 0 | 0 | 0.0012144837327150192 200 | Industrie alimentaire | 0.03148463081145455 | 0.004530971915499439 | 0.0070226323556195226 | 0.01671052032366988 | 0.04556044099040368 | 0.03269051778231267 | 0.0059367934581471835 | 0.09468416557480858 | 0.04749444558376165 | 0.03216002156884192 210 | Industrie des boissons | 0.00039496530644861214 | 0 | 0.0031575857540668694 | 0.025275430067988904 | 0.08703630248922267 | 0.020187496681037236 | - | 0.1158686806914383 | 0.024796700432894836 | 0.042465565553308604 220 | Industrie du bois | 0.0017681746894282102 | 0.000296830311823338 | 0.0014646560793677651 | 0.00013669021921281597 | 0 | 0 | - | 0 | 0 | 0.00033204801542996307 230 | Industrie chimique | 0 | 0.00012771515676319905 | 0.008762481467543378 | 0.017033201986022758 | 0.004180579515449104 | 0.014783971294777582 | - | 0 | 0 | 0.007690173821497313 240 | Industrie du textile | 0.02775622141837898 | 0 | 0.02985381452129368 | 0.026851964933140342 | 0.010402831744077237 | 0.017897537547999103 | - | 0 | 0.0027899887119454177 | 0.017367580622597696 250 | Industrie pharmacie | 0 | 0 | 0.0024890923918740406 | 2.0584901207322965e-05 | 0.00041365143280410084 | 0 | - | 0 | 0 | 0.0002312776631972047 260 | Imprimerie, édition | 0.010451002857927943 | 0 | 0.0011797841558239851 | 0.005551504043736123 | 0.003491140727386596 | 0.007104676312091741 | - | 0.010962326177731074 | 0.0013332949425872269 | 0.00511243865097106 270 | Sidérurgie, aciérie | 0.0424270233566865 | 0 | 0.008549031070027965 | 0.022997342416250358 | 0.014117832141963943 | 0.011911237933914296 | - | 0.030122815464003215 | 0.013306506820135632 | 0.019676019443227426 280 | Industrie de la fabrication | 0.006660676786757087 | 0 | 0.01964985373786419 | 0.0408158057836364 | 0.02334069251404205 | 0.009180875055657156 | - | 0.02384048686096186 | 0.0011335063659104277 | 0.022591092091208447 290 | Autres industries | 0 | 0 | 0.02206170850663578 | 0.005357286937021902 | 0.004459154046356189 | 0.008275240901418774 | - | 0 | 0.0013415215310386243 | 0.0044635757005629705 300 | Production et distribution de l'électricité | 0.09869686097231073 | 0 | 0.07549380823745536 | 0.04282719787045479 | 0.00383270026283853 | 0.0001668773564635633 | - | 0.028291710217181715 | 0 | 0.030410899881140624 400 | Production et distribution de gaz | 0 | 0 | 0.0013776701956326731 | 0.0004377642961687966 | 0.08384911607978325 | 0.016662631222148352 | - | 0 | 0 | 0.02896735894245914 500 | Traitement et distribution de l'eau | 0 | 0.009043643467863289 | 0.0034156736925915255 | 0.01270601820813806 | 0.0014607756434251503 | 0.001215051938820639 | - | 0 | 0 | 0.004539958320327117 600 | Entrep/ batiment et corps/ métiers corresp. | 6.901540552022679e-07 | 0.12095943172487104 | 0.019769253500961304 | 0.11388533351568014 | 0.024811443584268532 | 0.04689487437390155 | - | 0.010398300997870626 | 0.11008761904314199 | 0.05270348636755951 700 | Commerce de gros(1) | 0.12176082356280594 | 0.09772467804542737 | 0.21865026577822091 | 0.1673211677136859 | 0.13562726240813458 | 0.10117330016386769 | 0.0007895135054199321 | 0.14025061004182857 | 0.006532205037140109 | 0.13106602943494597 800 | Commerce de détail(2) | 0.010945941908944426 | 0.2648873113352542 | 0.036973885670832284 | 0.15340292829709265 | 0.15485374395907342 | 0.11015973745209137 | 0.0019863633963690007 | 0.242941740754408 | 0.0024753217036794593 | 0.11906058061996251 900 | Rest/débits/boissons, casinos/activités/loterie | 0.007481467145265499 | 0 | 0.0015578560228769235 | 0.00040124031174584965 | 0.0005918971759561958 | 0.003047631049096309 | - | 0 | 0.00142584406266545 | 0.001640903926729173 1000 | Hotels,motels et pensions | 0.01580157006103821 | 0 | 0.005169206879740527 | 0.04606304053870256 | 0.010333534174071776 | 0.10662504621878363 | 0.07819535110975225 | 0 | 0 | 0.030230146564962132 1100 | Transport | 0.007762951406351567 | 0.09511187257328736 | 0.011467817297900609 | 0.013669803363830333 | 0.02280527706522265 | 0.0046464875679740935 | - | 0 | 0 | 0.014977586502377651 1200 | Immobilier résidentiel | 0.11043628285786485 | 0.18295977074429912 | 0.1813381446717075 | 0.008215781685264881 | 0.042941905957109026 | 0.09409519200023714 | 0.5863990148075326 | 0 | 0.23518934962354543 | 0.08488064732604644 1300 | Immobilier commercial | 0.054438464533426774 | 0.030985965386229733 | 0.015880679636668296 | 0.03168602580632086 | 0.16239456865945995 | 0.005676382957191531 | 0.20201876349520922 | 0 | 0.010577629908114883 | 0.0810648898133105 1400 | Télécommunications | 0.0471454094452315 | 0 | 0.0016297777405557305 | 0.005164212458939241 | 0.021905955408508804 | 0.0006576982704042157 | - | 0.02611303873308858 | 0.11536291888760071 | 0.021052156678530495 1500 | Services financiers | 0.0006634352339222944 | 0 | 0.008108000773630728 | 0.06972441387347002 | 0.06208657565844062 | 0.16515464438609123 | - | 0.24772194701018269 | 0.23995665763113036 | 0.07160310152955442 1510 | Services professionnels | 0.10736470293846892 | 0.017322789445082268 | 0.026159848068326923 | 0.00428438390344831 | 0.008027458814264019 | 0.02540626753933627 | 0 | 0 | 0.0068398206838762975 | 0.02150113283764902 1520 | Services médicaux | 0.007753190656142278 | 0.0009476661193942232 | 5.76863363279939e-07 | 0.0004022526247994616 | 0.0015831145764987062 | 0.0087373099584306 | - | 0 | 0.00023827725836012361 | 0.002319310680989462 1530 | Services d'agence ou de représentation | 0.0002686671143465971 | 0 | 0.001610157084136323 | 0.005483719651850056 | 0.0015642249554202975 | 0.012914380610189182 | - | 0 | 0.00019156198822540147 | 0.0031312914232108037 1540 | Services d'enseignement | 0.002346425194251253 | 0 | 0.0022200440494470662 | 0.006789024511071486 | 0.00037782023372717814 | 0.0036591004853461103 | - | 0 | 0.0020478329109371906 | 0.0028370684165001207 1550 | Autres services | 0.032635511995222556 | 0.012807944231397337 | 0.00245513047411942 | 0.03939884527465582 | 0.005718573631763823 | 0.13289119236731944 | - | 0.02545594026348346 | 0.007595197787752843 | 0.02863632116497368 1560 | Crédit à la consommation | 0.25355490959326954 | 0.1622934095428079 | 0.2825315633217157 | 0.11732403289781684 | 0.058596677339928356 | 0.03818464057309867 | 0.12467420022756978 | 0.0033482372130133153 | 0.16928379908555594 | 0.1160728527052134 Total | 1 | 0.9999999999999999 | 1.0000000000000004 | 1 | 1.0000000000000002 | 1.0000000000000004 | 1 | 1 | 1.0000000000000002 | 0.9999999999999997 (1) Commerce de gros Import-export | 0.00016435525857459723 | 0.030215692986795092 | 0.00427768645799505 | 0.042829187775802496 | 0.05221726893100368 | 0.024634972571707964 | - | 0 | 0 | 0.03209722060108129 Produits pétroliers | 0.04267547881655932 | 0 | 0.0003003450054018837 | 0.0001656455289788022 | 2.994972208086262e-06 | 0.0022323165389766747 | - | 0 | 0 | 0.005880049350344075 Produits pharmaceutiques | 0 | 0.0011523131045643507 | 0.000125193953967526 | 0.006219696944206384 | 0.003908199546985145 | 0.004110123084042515 | - | 0 | 0 | 0.003409829259816034 Produits alimentaires | 0.047180508708610354 | 0.011425086724603085 | 0.1440057749309362 | 0.07247926670361923 | 0.031510705727809375 | 0.03738892644542588 | - | 0.020462138055567715 | 0.006532205037140109 | 0.04664932051315818 Matériaux de construction | 0 | 0 | 0.022626906816462053 | 0.01625437161079337 | 0.02562287285878394 | 0.03161461649821534 | - | 0 | 0 | 0.016220698089875182 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.031740382185625214 | 0.05493158522946484 | 0.04731435496242427 | 0.029372999150285614 | 0.022365220768660918 | 0.0011923596444681404 | - | 0.11978847198626086 | 0 | 0.026772974874175993 S-Total | 0.12176072496936949 | 0.09772467804542737 | 0.21865026212718697 | 0.16732116771368588 | 0.13562726280545115 | 0.10117331478283652 | - | 0.14025061004182857 | 0.006532205037140109 | 0.13103009268845076 (2) Commerce de détail Produits pétroliers | 0.002162154061512248 | 0.0058897828455667205 | 0 | 0.005424645210495647 | 0.0036042865499599265 | 0.008008453857289847 | - | 0 | 0 | 0.003726867427955491 Produits pharmaceutiques | 0 | 0 | 0 | 0.0004582161762844423 | 0.00010862316820285478 | 0.003506542408842781 | - | 0 | 6.992600183687968e-05 | 0.0004227012106269698 Véhicules automobiles | 0.000190285332362911 | 0 | 0.02029278256037546 | 0.04679906788306287 | 0.07666951927637915 | 0.020315980970634476 | - | 0.17250110925822046 | 0 | 0.04663215876096451 Produits alimentaires | 0.0001252136643009829 | 0 | 0.002370222028698925 | 0.03544175503263047 | 0.022903419817279985 | 0.03063002894811659 | - | 0 | 0.0014393591722641746 | 0.02017495628236293 Librairie ,papeterie | 0.00017549631689429097 | 0 | 0 | 0.0022407953014165548 | 0.0009775489163421148 | 0.001955835291148277 | - | 0 | 0.0003743097745385912 | 0.0011515372122252955 Appareils électro- ménagers électroni.équip. inform. | 0 | 0 | 0.0022415668945517195 | 0.012534061166548385 | 0.008544139595462318 | 0.03577225123092632 | - | 0 | 0 | 0.009087704823249367 Matériaux de construction | 0.0013882941787575905 | 0 | 0 | 0.010990464578291021 | 0.009726494072171459 | 0 | - | 0.011212466416078041 | 0 | 0.006945297856842927 Autres | 0.00690459694855286 | 0.25899753566348727 | 0.01206931418720618 | 0.0395139233992822 | 0.03231971256327561 | 0.009871275959314096 | - | 0.05922816508010952 | 0.0005920205617702208 | 0.03082898907111498 S-Total | 0.010946040502380884 | 0.264887318509054 | 0.036973885670832284 | 0.1534029287480116 | 0.15485374395907342 | 0.11006036866627238 | - | 0.24294174075440803 | 0.0024756155104098663 | 0.11897021264534248 [Secteur d'activité mars 15 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2015 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1346000 | 505467.12 | 700141.81 | 7112677.18 | 7311072.27 | 1156486.7000000002 | 9658.48 | 954303.3799999999 | 30658 | 19126464.939999998 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1768018 | 43322.09 | 129499.81 | 3826561.71 | 2272324.1100000003 | 2508716.33 | 272075.55 | 680323.03 | 879133 | 12379973.63 Industries Manufacturières ( 200 à 290 ) | 1226681 | 6907.8 | 285372.97 | 3564949.5300000003 | 4857653.7299999995 | 667798.42 | 20656.68 | 686052.42 | 313798 | 11629870.55 Prêts aux Particuliers ( 1560 ) | 2571722 | 226230.75 | 773839.87 | 2601887.36 | 1474810.86 | 208959.42 | 433795.63 | 8338.46 | 576174 | 8875758.350000001 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1672269 | 298232.1 | 540172.53 | 884899.76 | 5168082.5 | 545984.2000000001 | 2743247.49 | 0 | 836492 | 12689379.58 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 556917 | 132582.28 | 35873.659999999996 | 417680.73 | 1125330.21 | 29026.32 | 0 | 65031.99 | 392649 | 2755091.19 Bâtiments et Travaux Publics ( 600 ) | 7 | 168612.78 | 54147 | 2525627.55 | 624475.45 | 256624.8 | 0 | 25895.96 | 374694 | 4030084.539999999 Électricité, Gaz et Eau ( 300 à 500 ) | 1001049 | 12606.49 | 219902.50799999997 | 1241264.75 | 2243616.34 | 98746.01000000001 | 0 | 70457.76 | 0 | 4887642.857999999 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 1385.65 | 91482.44 | 0 | 0 | 0 | 0 | 92868.09 Total | 10142663 | 1393961.41 | 2738950.1580000003 | 22176934.220000003 | 25168847.91 | 5472342.2 | 3479433.83 | 2490403 | 3403598 | 76467133.728 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.13270676547175037 | 0.3626119893806817 | 0.25562415144905315 | 0.3207240960107785 | 0.290481006367208 | 0.21133303761595906 | 0.0027758769017889326 | 0.38319235079623654 | 0.009007526740819567 | 0.2501266100549085 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.17431497033865762 | 0.03107839979587383 | 0.04728082021564117 | 0.17254692068974353 | 0.09028319922014262 | 0.4584355726145927 | 0.07819535110975225 | 0.27317788727366615 | 0.2582951923229477 | 0.16189927654456887 Industries Manufacturières ( 200 à 290 ) | 0.12094269522708188 | 0.004955517384085977 | 0.10419064004011713 | 0.1607503316118868 | 0.19300262560170556 | 0.12203155350920855 | 0.0059367934581471835 | 0.27547847476894305 | 0.09219596438827382 | 0.15208979313084264 Prêts aux Particuliers ( 1560 ) | 0.25355490959326954 | 0.16229340954280794 | 0.2825315633217156 | 0.11732403289781682 | 0.058596677339928356 | 0.038184640573098665 | 0.12467420022756978 | 0.0033482372130133153 | 0.16928379908555594 | 0.11607285270521342 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.16487474739129163 | 0.2139457361305289 | 0.19721882430837573 | 0.03990180749158573 | 0.20533647461656898 | 0.09977157495742865 | 0.788417778302742 | 0 | 0.24576697953166032 | 0.16594553713935697 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05490836085158306 | 0.09511187257328738 | 0.013097595038456334 | 0.01883401582276957 | 0.04471123247373145 | 0.005304185838378309 | 0 | 0.02611303873308858 | 0.11536291888760071 | 0.03602974318090815 Bâtiments et Travaux Publics ( 600 ) | 6.901540552022679e-07 | 0.12095943172487107 | 0.019769253500961297 | 0.11388533351568013 | 0.024811443584268532 | 0.04689487437390154 | 0 | 0.010398300997870626 | 0.11008761904314199 | 0.052703486367559525 Électricité, Gaz et Eau ( 300 à 500 ) | 0.09869686097231073 | 0.009043643467863289 | 0.08028715212567952 | 0.05597098037476164 | 0.08914259198604692 | 0.018044560517432556 | 0 | 0.028291710217181715 | 0 | 0.06391821714392688 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 6.248158497716823e-05 | 0.003634748810399562 | 0 | 0 | 0 | 0 | 0.0012144837327150194 Total | 1 | 1 | 0.9999999999999998 | 0.9999999999999998 | 1 | 1 | 1 | 1 | 1 | 0.9999999999999999 [Secteur d'activité déc. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 1617.89 | 93254.85 | 0 | 0 | 0 | 0 | 94872.74 200 | Industrie alimentaire | 361302 | 6805.65 | 3434.57 | 348108.23 | 1240812.27 | 215906.73 | 19524.08 | 424133.56 | 154234 | 2774261.0900000003 210 | Industrie des boissons | 3959 | 0 | 8723.47 | 585966.51 | 2123451.62 | 110009.96 | 0 | 399721.34 | 67479 | 3299310.9 220 | Industrie du bois | 6185 | 462.93 | 4893.82 | 3267.9 | 0 | 0 | 0 | 0 | 0 | 14809.65 230 | Industrie chimique | 0 | 319.05 | 0 | 412519.63 | 94192.48 | 82027.17 | 0 | 0 | 0 | 589058.33 240 | Industrie du textile | 288169 | 0 | 56580.33 | 606136.54 | 261276.66 | 103722.21 | 0 | 0 | 8208 | 1324092.74 250 | Industrie pharmacie | 0 | 0 | 18951.48 | 6217.83 | 15185.97 | 0 | 0 | 0 | 0 | 40355.28 260 | Imprimerie, édition | 73656 | 0 | 3256.77 | 89512.64 | 46580.78 | 39351.98 | 0 | 0 | 758 | 253116.17 270 | Sidérurgie, aciérie | 430734 | 0 | 21595.87 | 549247.35 | 380444.33 | 64975 | 0 | 141465.05 | 49937 | 1638398.6 280 | Industrie de la fabrication | 69091 | 0 | 41650.38 | 912042.77 | 539768.09 | 67149.47 | 0 | 0 | 10062 | 1639763.71 290 | Autres industries | 0 | 0 | 84348.03 | 117121.55 | 110518.65 | 45046.75 | 0 | 2407.55 | 4253 | 363695.52999999997 300 | Production et distribution de l'électricité | 1396964 | 0 | 279025.85 | 923195.54 | 95723.14 | 1477.81 | 0 | 70606.48 | 0 | 2766992.8200000003 400 | Production et distribution de gaz | 0 | 0 | 4222.21 | 10376.78 | 2332312.9 | 91429.23 | 0 | 0 | 0 | 2438341.12 500 | Traitement et distribution de l'eau | 0 | 15859.26 | 9527.96 | 273579.09 | 55755.55 | 6596.89 | 0 | 0 | 0 | 361318.75000000006 600 | Entrep/ batiment et corps/ métiers corresp. | 5 | 177972.31 | 1494.79 | 2648405.7 | 665520.36 | 224859.57 | 0 | 22486.61 | 387055 | 4127799.34 700 | Commerce de gros(1) | 1167311 | 137136.91 | 538243.57 | 3957202.88 | 3567388.11 | 419866.63 | 6919.18 | 256414.7 | 27136 | 10077618.979999999 800 | Commerce de détail(2) | 102587 | 413710.91 | 55162.94 | 3523047.76 | 3927742.48 | 678381.51 | 6281.62 | 405054.5 | 9830 | 9121798.719999999 900 | Rest/débits/boissons, casinos/activités/loterie | 75582 | 311.79 | 4821.08 | 9221.69 | 16121.79 | 14801.33 | 0 | 0 | 2536 | 123395.68000000001 1000 | Hotels,motels et pensions | 161911 | 0 | 15018.09 | 1013229.95 | 263461.96 | 571185.9 | 22446.78 | 0 | 0 | 2047253.68 1100 | Transport | 83039 | 56150.11 | 39362.89 | 264862.11 | 466496.06 | 23437.93 | 0 | 0 | 0 | 933348.1 1200 | Immobilier résidentiel / Avance Hypothécaire | 1087188 | 233824.75 | 151906.04 | 170596.38 | 1024905.96 | 622328.97 | 1954469.31 | 0 | 805756 | 6050975.41 1300 | Immobilier commercial | 549526 | 44395.6 | 85851.47 | 677665.91 | 4142670.34 | 12872.05 | 1007189.17 | 0 | 28081 | 6548251.54 1400 | Télécommunications | 517683 | 0 | 65446.01 | 119442.08 | 613515.33 | 3893.62 | 0 | 24794.49 | 437332 | 1782106.53 1500 | Services financiers | 8062 | 0 | 49861.79 | 1643431.38 | 1208743.25 | 867963.93 | 0 | 13187.6 | 944078 | 4735327.95 1510 | Services professionnels | 1089598 | 22902.44 | 97378.93 | 110211.16 | 215309.95 | 149400.21 | 0 | 0.7 | 25898 | 1710699.3899999997 1520 | Services médicaux | 123398 | 0 | 1656.7 | 8970.17 | 40803.67 | 42979.68 | 0 | 0 | 962 | 218770.21999999997 1530 | Services d'agence ou de représentation | 611 | 0 | 4645.18 | 124186.56 | 31103.86 | 138763.09 | 0 | 0 | 754 | 300063.68999999994 1540 | Services d'enseignement | 24591 | 0 | 7032.99 | 156785.47 | 9902.5 | 20282.6 | 0 | 0 | 5960 | 224554.56 1550 | Autres services | 331555 | 49468.99 | 7084.27 | 610119.61 | 149902.54 | 784120.66 | 0 | 28923.05 | 25553 | 1986727.1199999999 1560 | Crédit à la consommation | 2859309 | 221131.58 | 664814.15 | 2680305.5 | 1430080.49 | 269228.45 | 394607.37 | 9788.43 | 553444 | 9082708.97 Total | 10812016 | 1380452.28 | 2325991.63 | 22556594.559999995 | 25162945.939999998 | 5672059.329999999 | 3411437.5100000002 | 1798984.06 | 3549306 | 76669787.31 (1) Commerce de gros Import-export | 1555 | 42837.33 | 28543.37 | 971367.69 | 1425883.23 | 151540 | 0 | 12926.16 | 0 | 2634652.7800000003 Produits pétroliers | 406085 | 0 | 782.74 | 5115.63 | 735.55 | 7311 | 0 | 0 | 0 | 420029.92 Produits pharmaceutiques | 0 | 1901.24 | 360.48 | 121929.7 | 93279.74 | 20879 | 0 | 0 | 0 | 238350.16 Produits alimentaires | 474552 | 16368.98 | 303968.06 | 1680104.09 | 842178.67 | 170235 | 0 | 54156.48 | 27136 | 3568699.28 Matériaux de construction | 0 | 0 | 71995.62 | 429164.34 | 642953.42 | 59977 | 0 | 0 | 0 | 1204090.3800000001 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 285118 | 76029.35 | 132593.3 | 749521.43 | 562357.5 | 9925 | 0 | 189332.06 | 0 | 2004876.6400000001 S-Total | 1167310 | 137136.90000000002 | 538243.5700000001 | 3957202.8800000004 | 3567388.11 | 419867 | - | 256414.7 | 27136 | 10070699.16 (2) Commerce de détail Produits pétroliers | 23297 | 8386.8 | 0 | 131942.36 | 93629.34 | 46656 | 0 | 0 | 0 | 303911.5 Produits pharmaceutiques | 0 | 0 | 0 | 8527.91 | 1306.64 | 19044 | 0 | 0 | 0 | 28878.55 Véhicules automobiles | 0 | 36463.21 | 0 | 941810.21 | 1915418.26 | 124491 | 0 | 174849.44 | 988 | 3194020.1199999996 Produits alimentaires | 1261 | 0 | 7537.6 | 784303.09 | 602522.6 | 155624 | 0 | 0 | 5021 | 1556269.29 Librairie ,papeterie | 1693 | 0 | 0 | 44392.35 | 22710.63 | 9200 | 0 | 0 | 1398 | 79393.98 Appareils électro- ménagers électroni.équip. inform. | 13952 | 0 | 6224.35 | 279814.84 | 201510.09 | 195125 | 0 | 0 | 0 | 696626.28 Matériaux de construction | 0 | 0 | 0 | 220982.99 | 252031.26 | 262 | 0 | 33602.14 | 0 | 506878.39 Autres | 62384 | 368860.9 | 41401 | 1111274.01 | 838613.66 | 127979 | 0 | 196602.92 | 2423 | 2749538.49 S-Total | 102587 | 413710.91000000003 | 55162.95 | 3523047.76 | 3927742.4799999995 | 678381 | - | 405054.5 | 9830 | 9115516.6 [Secteur d'activité déc. 14 (%)] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 7.172580930585297e-05 | 0.0037060386419921713 | 0 | 0 | 0 | 0 | 0.001237420153735392 200 | Industrie alimentaire | 0.033416709705202066 | 0.004930014676059646 | 0.0014766046256150976 | 0.015432658909306568 | 0.04931108912917691 | 0.03806496325912022 | 0.005723124032836234 | 0.23576282271228127 | 0.0434546922694183 | 0.03618454136024654 210 | Industrie des boissons | 0.00036616667973854276 | 0 | 0.0037504305206807645 | 0.025977614149216687 | 0.0843880372776416 | 0.019395065107684625 | - | 0.2221928192070807 | 0.01901188570385309 | 0.04303273839354544 220 | Industrie du bois | 0.0005720487280078017 | 0.00033534661553096207 | 0.0021039714575413152 | 0.00014487559242630643 | 0 | 0 | - | 0 | 0 | 0.000193161485372588 230 | Industrie chimique | 0 | 0.0002311199051371772 | 0 | 0.018288205203259196 | 0.0037433009721754384 | 0.014461620590982079 | - | 0 | 0 | 0.007683056790261493 240 | Industrie du textile | 0.026652661261322586 | 0 | 0.024325250903847837 | 0.026871810741984636 | 0.010383389155745253 | 0.018286517112295442 | - | 0 | 0.0023125647661824595 | 0.017270071907807407 250 | Industrie pharmacie | 0 | 0 | 0.008147699138539032 | 0.00027565464208086565 | 0.0006035052507846384 | 0 | - | 0 | 0 | 0.0005263517927450475 260 | Imprimerie, édition | 0.0068124205513569345 | 0 | 0.0014001641097908853 | 0.003968357890278985 | 0.0018511656032274575 | 0.006937864664402234 | - | 0 | 0.00021356287679901367 | 0.003301380881318634 270 | Sidérurgie, aciérie | 0.03983845380916935 | 0 | 0.009284586290622206 | 0.024349746081529077 | 0.015119228523844298 | 0.01145527509847116 | - | 0.07863607752033111 | 0.014069511053710218 | 0.021369546694781357 280 | Industrie de la fabrication | 0.0063902051199332295 | 0 | 0.01790650467645922 | 0.04043353120410035 | 0.02145091005190945 | 0.011838640270358388 | - | 0 | 0.0028349204041578833 | 0.0213873517526522 290 | Autres industries | 0 | 0 | 0.03626325602899955 | 0.005192341853219888 | 0.004392118882404593 | 0.00794186861934676 | - | 0.0013382831196403152 | 0.0011982624208788986 | 0.004743661652920268 300 | Production et distribution de l'électricité | 0.12920476625265814 | 0 | 0.11995995445606998 | 0.040927966211580485 | 0.0038041308926326776 | 0.0002605420560718994 | - | 0.039247974214957744 | 0 | 0.03608974169723701 400 | Production et distribution de gaz | 0 | 0 | 0.0018152300917781033 | 0.000460033094641038 | 0.09268838813870615 | 0.01611923019147968 | - | 0 | 0 | 0.0318031548743056 500 | Traitement et distribution de l'eau | 0 | 0.011488452175978152 | 0.00409630020895647 | 0.012128563523730778 | 0.0022157799064126595 | 0 | - | 0 | 0 | 0.0047126614364935565 600 | Entrep/ batiment et corps/ métiers corresp. | 4.624484462472124e-07 | 0.12892318885517723 | 0.0006426463366078406 | 0.11741159300245013 | 0.026448427842546963 | 0.039643374111180185 | - | 0.01249961603328492 | 0.10905089614702142 | 0.05383866950497739 700 | Commerce de gros(1) | 0.10796423164745594 | 0.09934201419841909 | 0.23140391524108794 | 0.1754344109645601 | 0.1417714809111099 | 0.0740236668152059 | 0.0020282300290471976 | 0.14253305835294616 | 0.007645438291316669 | 0.13144185387202162 800 | Commerce de détail(2) | 0.009488239751032555 | 0.29969229360105076 | 0.023715880697300705 | 0.1561870410282358 | 0.15609231484125663 | 0.11960056666050425 | 0.0018413410714945206 | 0.2251573590929983 | 0.0027695555131059422 | 0.11897514053505463 900 | Rest/débits/boissons, casinos/activités/loterie | 0.006990555692851361 | 0.00022586075919987615 | 0.0020726987740708252 | 0.0004088245668232644 | 0.0006406956498035541 | 0.0026095160750019874 | - | 0 | 0.0007145058780505259 | 0.0016094433587127686 1000 | Hotels,motels et pensions | 0.01497509807606648 | 0 | 0.006456639742938371 | 0.04491945569641875 | 0.010470235107932678 | 0.10070167936695402 | 0.006579859643977473 | 0 | 0 | 0.026702221981160727 1100 | Transport | 0.0076802513055844535 | 0.04067515466742538 | 0.016923057457433756 | 0.011742114231626286 | 0.018539008155576877 | 0.00413217292633644 | - | 0 | 0 | 0.012173610137017607 1200 | Immobilier résidentiel | 0.10055368027572287 | 0.1693827112951706 | 0.06530807679647584 | 0.0075630379198516765 | 0.04073076190855577 | 0.10971834633471651 | 0.5729166383000813 | 0 | 0.22701790152779164 | 0.07892255375033204 1300 | Immobilier commercial | 0.05082548897448912 | 0.03216018448678284 | 0.03690962120959997 | 0.030042917524514844 | 0.16463375750510395 | 0.0022693785891693065 | 0.29523893286850794 | 0 | 0.007911687524265307 | 0.08540850013739265 1400 | Télécommunications | 0.047880339799719125 | 0 | 0.028136820939463143 | 0.005295217754714124 | 0.024381697256867372 | 0.0006864561481940635 | - | 0.013782495660356213 | 0.12321620057554913 | 0.0232439216610108 1500 | Services financiers | 0.0007456518747290052 | 0 | 0.021436788231262896 | 0.07285813359940094 | 0.04803663501412745 | 0.1530244800877286 | - | 0.007330581906323283 | 0.26598946385575095 | 0.06176263318500655 1510 | Services professionnels | 0.10077658042681402 | 0.016590533647421697 | 0.04186555477845808 | 0.004885983994917362 | 0.008556627292901143 | 0.02633967688063658 | 0 | 3.891085060531331e-07 | 0.0072966377088929495 | 0.02231256209285028 1520 | Services médicaux | 0.011413042674002703 | 0 | 0.0007122553575139047 | 0.00039767394746310507 | 0.001621577620414345 | 0.007577438369284478 | - | 0 | 0.0002710389016895134 | 0.0028534084634334947 1530 | Services d'agence ou de représentation | 5.651120013140935e-05 | 0 | 0.001997075114152496 | 0.005505554469654839 | 0.001236097715830486 | 0.02446432273126452 | - | 0 | 0.00021243589591880778 | 0.003913714913369309 1540 | Services d'enseignement | 0.00227441394833304 | 0 | 0.0030236523250085816 | 0.006950759769297376 | 0.00039353500276208123 | 0.0035758793799499982 | - | 0 | 0.0016792015115067566 | 0.002928853305566839 1550 | Autres services | 0.030665418919098898 | 0.03583534955659604 | 0.0030456988359842036 | 0.027048391918252403 | 0.0059572730616453415 | 0.13824267596298223 | - | 0.016077435394285817 | 0.007199435607975193 | 0.025912777245188368 1560 | Crédit à la consommation | 0.2644566008781341 | 0.16018777556005048 | 0.285819665653741 | 0.1188258047051585 | 0.05683279268691224 | 0.04746573234451693 | 0.11567187405405528 | 0.0054410876770081 | 0.15593020156616533 | 0.11846529498348234 Total | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 0.9999999999999999 | 0.9988369497538384 | 1 | 1 | 1 | 0.9999999999999998 (1) Commerce de gros Import-export | 0.00014382146678288305 | 0.031031373282964913 | 0.012271484399107661 | 0.043063578919955554 | 0.05666598948310581 | 0.02671692787106302 | - | 0.007185255438005382 | 0 | 0.034363637521873804 Produits pétroliers | 0.037558675458859846 | 0 | 0.0003365188377741497 | 0.00022679088310039656 | 2.9231473999661585e-05 | 0.0012889498460165085 | - | 0 | 0 | 0.005478428136257731 Produits pharmaceutiques | 0 | 0.001377258763338056 | 0.00015497906155406073 | 0.005405501246017875 | 0.003707027794854453 | 0.0036810263760058384 | - | 0 | 0 | 0.0031087885901688434 Produits alimentaires | 0.043891167012701425 | 0.011857693479994831 | 0.13068321316358306 | 0.07448394240234109 | 0.033469001284990245 | 0.03001290890939958 | - | 0.03010392432270912 | 0.007645438291316669 | 0.04654635685332775 Matériaux de construction | 0 | 0 | 0.03095265652353186 | 0.01902611401993476 | 0.025551595649138056 | 0.010574113652651092 | - | 0 | 0 | 0.015704887443230866 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.02637047521942254 | 0.05507568142811862 | 0.05700506325553716 | 0.033228483493210434 | 0.02234863522502167 | 0.0017498053921096769 | - | 0.10524387859223165 | 0 | 0.02614950047916078 S-Total | 0.1079641391577667 | 0.09934200695441642 | 0.23140391524108794 | 0.17543441096456008 | 0.14177148091110992 | 0.07402373204724572 | - | 0.14253305835294616 | 0.007645438291316669 | 0.13135159902401977 (2) Commerce de détail Produits pétroliers | 0.0021547322904442614 | 0.006075400157983005 | 0 | 0.005849391833019675 | 0.003720921239637651 | 0.00822558391680293 | - | 0 | 0 | 0.003963901696651256 Produits pharmaceutiques | 0 | 0 | 0 | 0.00037806726442309214 | 5.1927147286952375e-05 | 0.003357510719127122 | - | 0 | 0 | 0.0003766614074881278 Véhicules automobiles | 0 | 0.026413959054057266 | 0 | 0.041753209133356 | 0.07612058876441716 | 0.021948113155579426 | - | 0.09719343483232419 | 0.0002783642774108516 | 0.041659436292493864 Produits alimentaires | 0.00011662949814354696 | 0 | 0.0032405963558862854 | 0.03477045650280998 | 0.02394483545117055 | 0.027436948548279733 | - | 0 | 0.001414642749878427 | 0.020298338427724015 Librairie ,papeterie | 0.0001565850438993061 | 0 | 0 | 0.001968043087440235 | 0.0009025425740750927 | 0.0016219858546507836 | - | 0 | 0.000393879817631954 | 0.0010355315018546383 Appareils électro- ménagers électroni.équip. inform. | 0.0012904161444082215 | 0 | 0.0026759984514647633 | 0.012405012611974709 | 0.00800820740466925 | 0.034401085857471106 | - | 0 | 0 | 0.009086059899753229 Matériaux de construction | 0 | 0 | 0 | 0.009796824135495746 | 0.010015967947511317 | 0 | - | 0.01867839785084032 | 0 | 0.006611188158779307 Autres | 0.005769876774137219 | 0.26720293438901055 | 0.017799290189191266 | 0.04926603645971638 | 0.03332732431248867 | 0.022563057357864416 | - | 0.10928552640983379 | 0.0006826686681847099 | 0.035862085789839925 S-Total | 0.009488239751032555 | 0.2996922936010508 | 0.023715884996542314 | 0.15618704102823583 | 0.15609231484125663 | 0.11955428540977552 | - | 0.22515735909299828 | 0.0027695555131059422 | 0.11889320317458435 [Secteur d'activité déc. 14 glob] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT AU 31 mars 2016 RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DECEMBRE 2014 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1269898 | 550847.82 | 593406.51 | 7480250.64 | 7495130.59 | 1098248.1400000001 | 13200.8 | 661469.2 | 36966 | 19199417.7 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1815308 | 72683.21999999999 | 187499.02999999997 | 3676155.9899999993 | 1935349.52 | 2589497.4000000004 | 22446.78 | 42111.35 | 1005741 | 11346792.29 Industries Manufacturières ( 200 à 290 ) | 1233096 | 7587.63 | 243434.72 | 3630140.9499999997 | 4812230.850000001 | 728189.27 | 19524.08 | 967727.5 | 294931 | 11936862 Prêts aux Particuliers ( 1560 ) | 2859309 | 221131.58 | 664814.15 | 2680305.5 | 1430080.49 | 269228.45 | 394607.37 | 9788.43 | 553444 | 9082708.97 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1636714 | 278220.35 | 237757.51 | 848262.29 | 5167576.3 | 635201.02 | 2961658.48 | 0 | 833837 | 12599226.950000001 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 600722 | 56150.11 | 104808.9 | 384304.19 | 1080011.39 | 27331.55 | 0 | 24794.49 | 437332 | 2715454.63 Bâtiments et Travaux Publics ( 600 ) | 5 | 177972.31 | 1494.79 | 2648405.7 | 665520.36 | 224859.57 | 0 | 22486.61 | 387055 | 4127799.34 Électricité, Gaz et Eau ( 300 à 500 ) | 1396964 | 15859.26 | 292776.02 | 1207151.4100000001 | 2483791.59 | 99503.93 | 0 | 70606.48 | 0 | 5566652.69 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 1617.89 | 93254.85 | 0 | 0 | 0 | 0 | 94872.74 Total | 10812016 | 1380452.28 | 2325991.63 | 22556594.56 | 25162945.94 | 5672059.330000001 | 3411437.51 | 1798984.0599999998 | 3549306 | 76669787.30999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.1174524713984885 | 0.39903430779946986 | 0.2551197959383887 | 0.33162145199279586 | 0.2978637957523665 | 0.19362423347571012 | 0.0038695711005417186 | 0.3676904174459445 | 0.010414993804422611 | 0.2504169944070763 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1678972728120269 | 0.05265174396321761 | 0.08061036315938935 | 0.16297477796222798 | 0.07691267646541707 | 0.4565356688538023 | 0.006579859643977474 | 0.023408406409115155 | 0.2833627193597847 | 0.14799561454528837 Industries Manufacturières ( 200 à 290 ) | 0.11404866585473052 | 0.005496481196727785 | 0.10465846775209592 | 0.1609347962674025 | 0.19124274484690962 | 0.12838181472266086 | 0.005723124032836235 | 0.5379300025593334 | 0.08309539949499986 | 0.155691862711651 Prêts aux Particuliers ( 1560 ) | 0.2644566008781341 | 0.16018777556005048 | 0.285819665653741 | 0.11882580470515848 | 0.056832792686912235 | 0.04746573234451692 | 0.1156718740540553 | 0.0054410876770081005 | 0.15593020156616533 | 0.11846529498348235 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.151379169250212 | 0.20154289578195342 | 0.1022176980060758 | 0.03760595544436651 | 0.2053645194136597 | 0.11198772492388578 | 0.8681555711685893 | 0 | 0.23492958905205694 | 0.16433105388772473 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05556059110530358 | 0.04067515466742538 | 0.045059878396896895 | 0.017037331986340408 | 0.04292070541244424 | 0.004818629074530501 | 0 | 0.013782495660356215 | 0.12321620057554913 | 0.035417531798028416 Bâtiments et Travaux Publics ( 600 ) | 4.624484462472124e-07 | 0.12892318885517723 | 0.0006426463366078406 | 0.11741159300245012 | 0.02644842784254696 | 0.03964337411118017 | 0 | 0.012499616033284922 | 0.10905089614702142 | 0.053838669504977406 Électricité, Gaz et Eau ( 300 à 500 ) | 0.12920476625265814 | 0.011488452175978152 | 0.12587148475680457 | 0.0535165628299523 | 0.09870829893775147 | 0.017542822493713226 | 0 | 0.03924797421495775 | 0 | 0.07260555800803618 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 7.172580930585296e-05 | 0.0037060386419921704 | 0 | 0 | 0 | 0 | 0.0012374201537353922 Total | 1 | 0.9999999999999998 | 1 | 0.9999999999999999 | 0.9999999999999999 | 0.9999999999999997 | 1 | 1.0000000000000002 | 1 | 1 [Secteur d'activité sept. 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 1825.16 | 98565.68 | 0 | 0 | 0 | 0 | 100390.84 200 | Industrie alimentaire | 334535 | 22143.37 | 3612.97 | 351551.03 | 1186357.14 | 228978.03 | 21168.66 | 354780.98 | 153155 | 2656282.1799999997 210 | Industrie des boissons | 3906 | 0 | 8948.47 | 601418.91 | 2131987.99 | 110013.03 | 0 | 120744.08 | 70042 | 3047060.48 220 | Industrie du bois | 9360 | 535.05 | 0 | 2167.2 | 0 | 0 | 0 | 0 | 0 | 12062.25 230 | Industrie chimique | 0 | 505.24 | 0 | 473361.57 | 96753.39 | 74056.07 | 0 | 0 | 0 | 644676.27 240 | Industrie du textile | 293147 | 0 | 0 | 599776.96 | 252840.84 | 90253.04 | 0 | 0 | 7816 | 1243833.84 250 | Industrie pharmacie | 0 | 0 | 13741.24 | 7086.11 | 18136.48 | 0 | 0 | 0 | 0 | 38963.83 260 | Imprimerie, édition | 170483 | 0 | 4139.94 | 242155.17 | 86636.88 | 56682 | 0 | 0 | 4533 | 564629.99 270 | Sidérurgie, aciérie | 431148 | 0 | 22654.58 | 546259.3 | 394550.14 | 64975 | 0 | 184082.63 | 45940 | 1689609.65 280 | Industrie de la fabrication | 70545 | 0 | 177724.75 | 849460.16 | 561869.64 | 75161.54 | 0 | 0 | 8852 | 1743613.0900000003 290 | Autres industries | 0 | 0 | 83131.05 | 153898.81 | 108962 | 45108.36 | 0 | 13821.5 | 1355 | 406276.72 300 | Production et distribution de l'électricité | 1626641 | 0 | 356620.26 | 931540.88 | 93722.46 | 1662.85 | 0 | 68794.75 | 0 | 3078982.2 400 | Production et distribution de gaz | 0 | 3401.19 | 4661.25 | 1618.71 | 1441022.63 | 90111.48 | 0 | 47.55 | 0 | 1540862.8099999998 500 | Traitement et distribution de l'eau | 0 | 15644.45 | 7609.61 | 282251.81 | 52871.59 | 0.02 | 0 | 0 | 0 | 358377.48 600 | Entrep/ batiment et corps/ métiers corresp. | 28731 | 150634.83 | 0 | 2463149.05 | 806048.35 | 198093.7 | 0 | 5561.7 | 445208 | 4097426.6300000004 700 | Commerce de gros(1) | 1036115 | 132151.8 | 452499.95 | 3948676.91 | 3383162.53 | 464549.86 | 6713.53 | 279574.38 | 14138 | 9717581.959999999 800 | Commerce de détail(2) | 101583 | 400241.74 | 112969.67 | 3327649.59 | 3683975.55 | 606566.62 | 6814.8 | 351991.98 | 7524 | 8599316.95 900 | Rest/débits/boissons, casinos/activités/loterie | 61471 | 2401.36 | 5557.96 | 9456.31 | 18428.69 | 16657.45 | 0 | 0 | 5565 | 119537.77 1000 | Hotels,motels et pensions | 155724 | 0 | 16162.58 | 1003262.96 | 280261.18 | 559783.83 | 22352.12 | 0 | 0 | 2037546.67 1100 | Transport | 66627 | 57765.61 | 49061.22 | 241470.02 | 457851.15 | 25091.45 | 0 | 0 | 0 | 897866.45 1200 | Immobilier résidentiel / Avance Hypothécaire | 1024328 | 196644.01 | 110407.89 | 175289.72 | 987513.74 | 622498.52 | 1792708.15 | 0 | 810855 | 5720245.029999999 1300 | Immobilier commercial | 522551 | 111498.37 | 95202.35 | 657601.64 | 4036654.06 | 2973.24 | 1136279.55 | 0 | 29320 | 6592080.21 1400 | Télécommunications | 550079 | 0 | 9398.62 | 121550.73 | 679719.22 | 4376.57 | 0 | 2020.3 | 443433 | 1810577.44 1500 | Services financiers | 6154 | 0 | 27678.12 | 1456312.66 | 925196.06 | 849051.55 | 0 | 2157.11 | 1099483 | 4366032.5 1510 | Services professionnels | 1072537 | 22871.55 | 106201.57 | 96436.73 | 181769.48 | 127450.77 | 0 | 133.98 | 22638 | 1630039.08 1520 | Services médicaux | 182027 | 0 | 1535.02 | 6637.42 | 40593.8 | 18113.85 | 0 | 0 | 1132 | 250039.09 1530 | Services d'agence ou de représentation | 363 | 0 | 10518.08 | 112290.7 | 26755.21 | 503.81 | 0 | 0 | 1005 | 151435.8 1540 | Services d'enseignement | 24848 | 0 | 7465.06 | 144572.01 | 7119.52 | 21665.64 | 0 | 0 | 6261 | 211931.22999999998 1550 | Autres services | 322835 | 72558.78 | 7639.34 | 623825.99 | 232285.33 | 816860.69 | 0 | 47412.33 | 24216 | 2147633.46 1560 | Crédit à la consommation | 3424875 | 246919.2 | 596564.33 | 2528974.91 | 1295206.62 | 272281.29 | 262756.4 | 16256.33 | 593787 | 9237621.08 Total | 11520613 | 1435916.55 | 2291705.8800000004 | 21961529.130000003 | 23566817.349999998 | 5443520.259999999 | 3248793.21 | 1447379.6 | 3796258 | 74712532.98 (1) Commerce de gros Import-export | 0 | 35569.42 | 37082.86 | 820918.35 | 1357868.59 | 171607 | 0 | 0 | 0 | 2423046.22 Produits pétroliers | 232625 | 0 | 751.29 | 4483.19 | 50939.21 | 12710 | 0 | 0 | 0 | 301508.69 Produits pharmaceutiques | 0 | 2190.43 | 0 | 117053.56 | 86122.47 | 30950 | 0 | 0 | 0 | 236316.46 Produits alimentaires | 495967 | 16523.15 | 202478.96 | 1813347.99 | 899364.39 | 183615 | 0 | 63902.51 | 3933 | 3679132 Matériaux de construction | 0 | 0 | 53123.68 | 418762.2 | 610267.47 | 56846 | 0 | 0 | 4642 | 1143641.35 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 307523 | 77868.8 | 159063.15 | 774111.63 | 378600.39 | 8822 | 0 | 215671.86 | 5563 | 1927223.83 S-Total | 1036115 | 132151.8 | 452499.93999999994 | 3948676.92 | 3383162.52 | 464550 | - | 279574.37 | 14138 | 9710868.55 (2) Commerce de détail Produits pétroliers | 22236 | 5886.8 | 0 | 99849.23 | 100309.17 | 33976 | 0 | 0 | 0 | 262257.2 Produits pharmaceutiques | 0 | 0 | 0 | 9472.6 | 0 | 18026 | 0 | 0 | 308 | 27806.6 Véhicules automobiles | 0 | 35535.01 | 34168.28 | 869268.15 | 1905391.22 | 122864 | 0 | 106361.8 | 0 | 3073588.46 Produits alimentaires | 1201 | 0 | 8413.09 | 683474.84 | 451976.99 | 148249 | 0 | 0 | 4982 | 1298296.92 Librairie ,papeterie | 1743 | 0 | 0 | 45597.13 | 22381.53 | 8704 | 0 | 0 | 0 | 78425.66 Appareils électro- ménagers électroni.équip. inform. | 13592 | 0 | 6094.6 | 317938.38 | 168892.13 | 169566 | 0 | 0 | 0 | 676083.11 Matériaux de construction | 0 | 0 | 0 | 200750.56 | 261595.69 | 319 | 0 | 65010.1 | 0 | 527675.35 Autres | 62812 | 358819.93 | 64293.7 | 1101298.71 | 773428.82 | 104862 | 0 | 180620.08 | 2234 | 2648369.2399999998 S-Total | 101584 | 400241.74 | 112969.66999999998 | 3327649.5999999996 | 3683975.5499999993 | 606566 | - | 351991.98 | 7524 | 8592502.54 [Secteur d'activité sept. 14 (%)] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 8.310714564528139e-05 | 0.004182392494334836 | 0 | 0 | 0 | 0 | 0.0013436947724269218 200 | Industrie alimentaire | 0.02903795136595596 | 0.015421070256485307 | 0.001576541750636866 | 0.016007584349842584 | 0.0503401508307612 | 0.042064329526349566 | 0.006515853312805958 | 0.24511951114966657 | 0.040343675271807135 | 0.035553368010037445 210 | Industrie des boissons | 0.0003390444588321819 | 0 | 0.00390472009436045 | 0.027385110865456388 | 0.09046567291361472 | 0.02020990549229627 | - | 0.0834225382201048 | 0.018450273927641377 | 0.04078379300586256 220 | Industrie du bois | 0.0008124567677084545 | 0.00037261914698315853 | 0 | 9.868165313860363e-05 | 0 | 0 | - | 0 | 0 | 0.00016144881613408793 230 | Industrie chimique | 0 | 0.0003518588876212897 | 0 | 0.02155412618119456 | 0.004105492420256739 | 0.013604444635611593 | - | 0 | 0 | 0.008628756706355748 240 | Industrie du textile | 0.02544543419694768 | 0 | 0 | 0.027310346035089583 | 0.010728679916552245 | 0.016579903387739025 | - | 0 | 0.002058869549962094 | 0.016648262217705365 250 | Industrie pharmacie | 0 | 0 | 0.0059960748540733326 | 0.00032266013709947885 | 0.0007695769747203477 | 0 | - | 0 | 0 | 0.0005215166511678881 260 | Imprimerie, édition | 0.01479808409500432 | 0 | 0.0018064883614122415 | 0.011026334667617018 | 0.003676223170626814 | 0.01041274713653771 | - | 0 | 0.0011940705821364092 | 0.007557366448158668 270 | Sidérurgie, aciérie | 0.03742405026538084 | 0 | 0.009885465756190318 | 0.024873463808756196 | 0.01674176593896333 | 0.011936209823163221 | - | 0.12718338022727416 | 0.012101390369147725 | 0.022614808822668295 280 | Industrie de la fabrication | 0.006123372080982149 | 0 | 0.07755129118052442 | 0.03867946330019507 | 0.02384155788435302 | 0.013807524618269723 | - | 0 | 0.002331769863902822 | 0.023337625167476957 290 | Autres industries | 0 | 0 | 0.03627474656564567 | 0.007007654571273471 | 0.004623534793933471 | 0.008286615617372574 | - | 0.00954932624447657 | 0.00035693042991282467 | 0.00543786569394933 300 | Production et distribution de l'électricité | 0.1411939625087658 | 0 | 0.1556134507103503 | 0.04241694075516316 | 0.003976882351489859 | 0.0003054732820999917 | - | 0.047530551073125524 | 0 | 0.04121105358352957 400 | Production et distribution de gaz | 0 | 0.002368654362260815 | 0.002033965196266809 | 7.370661625691635e-05 | 0.06114625528762797 | 0.016553898157072353 | - | 0 | 0 | 0.020623886629736906 500 | Traitement et distribution de l'eau | 0 | 0.010895096933035558 | 0.0033205002729233294 | 0.012852101888225848 | 0.0022434760372935974 | 0 | - | 0 | 0 | 0.004796751839426124 600 | Entrep/ batiment et corps/ métiers corresp. | 0.002493877712930727 | 0.10490500301009831 | 0 | 0.11215744748098055 | 0.0342026815937452 | 0.03639073440318197 | - | 0.0038425994120685407 | 0.117275485491239 | 0.05484256076683749 700 | Commerce de gros(1) | 0.08993575255066723 | 0.09203306417771978 | 0.19745114499597127 | 0.17979972553942103 | 0.14355619088294075 | 0.08533997079309118 | 0.0020664688596785143 | 0.19315898883748256 | 0.003724193666500011 | 0.1300662897160952 800 | Commerce de détail(2) | 0.008817499554928197 | 0.27873607278918816 | 0.049295012499597016 | 0.15152176200036757 | 0.156320452409328 | 0.11142911039702828 | 0.0020976404343076055 | 0.24319258057803217 | 0.001981951700859109 | 0.11509872048243865 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0053357403811758975 | 0.0016723534525735497 | 0.002425250137247106 | 0.0004305852267400835 | 0.0007819761882272152 | 0.003060051070701812 | - | 0 | 0.0014659172269113428 | 0.0015999694459830373 1000 | Hotels,motels et pensions | 0.013516989069939247 | 0 | 0.00705264150214599 | 0.045682746135810616 | 0.01189219468364064 | 0.10283489419767496 | 0.006880130114529512 | 0 | 0 | 0.027271818913507273 1100 | Transport | 0.0057832860109093154 | 0.04022908573621496 | 0.021408166042668614 | 0.010995136931068513 | 0.0194277887930421 | 0.004609416113388362 | - | 0 | 0 | 0.012017614905926857 1200 | Immobilier résidentiel | 0.08891262990953692 | 0.136946683983829 | 0.048177163991044075 | 0.007981671902825282 | 0.04190271963048927 | 0.1143558745568075 | 0.5518074048178646 | 0 | 0.2135932278575376 | 0.07656339307263571 1300 | Immobilier commercial | 0.045357916284489375 | 0.07764961689451938 | 0.04154213279759966 | 0.02994334484212666 | 0.17128549859109424 | 0.0005461980222335024 | 0.34975434770746766 | 0 | 0.007723394985272339 | 0.0882325889254036 1400 | Télécommunications | 0.04774737247054475 | 0 | 0.004101145824175308 | 0.005534711598654514 | 0.02884221530235605 | 0.0008039962728089489 | - | 0.0013958328554582362 | 0.11680791979891778 | 0.024233918564702903 1500 | Services financiers | 0.0005341729645809645 | 0 | 0.012077518429197378 | 0.06631198817620765 | 0.03925842196931187 | 0.15597472029983778 | - | 0.0014903553981277613 | 0.2896228338537581 | 0.058437752353661394 1510 | Services professionnels | 0.09309721626791907 | 0.0159281888630645 | 0.046341710307083554 | 0.0043911664542641065 | 0.007712941348866525 | 0.02341329946662126 | 0 | 9.256728504395114e-05 | 0.005963240643812933 | 0.021817478473609635 1520 | Services médicaux | 0.015800114108511412 | 0 | 0.0006698154476961065 | 0.00030222941037985905 | 0.0017224981802644644 | 0.003327598527207466 | - | 0 | 0.0002981883739197915 | 0.003346682009388353 1530 | Services d'agence ou de représentation | 3.1508740029718905e-05 | 0 | 0.004589629101968355 | 0.005113063818794296 | 0.001135291609496859 | 9.25522411851922e-05 | - | 0 | 0.000264734377905822 | 0.0020269129416417755 1540 | Services d'enseignement | 0.0021568296756431277 | 0 | 0.0032574249885853586 | 0.006582966474884984 | 0.00030209934138603577 | 0.003980078876385041 | - | 0 | 0.0016492556617595537 | 0.0028366222044262962 1550 | Autres services | 0.028022380406320394 | 0.05053133484672211 | 0.003333473141850122 | 0.028405398654497056 | 0.00985645734637138 | 0.1500611095364969 | - | 0.032757356812269565 | 0.006378913129718791 | 0.028745290439756682 1560 | Crédit à la consommation | 0.29728235815229626 | 0.171959296659684 | 0.2603145260507862 | 0.11515477337802296 | 0.05495891111491133 | 0.05001933987474496 | 0.0808781547533461 | 0.011231559433337321 | 0.15641376323737743 | 0.12364218841934918 Total | 1.0000000000000002 | 1 | 1 | 0.9999999999999998 | 1.0000000000000002 | 0.9999999963259071 | 1 | 0.9999671475264676 | 1 | 1 (1) Commerce de gros Import-export | 0 | 0.0247712306122525 | 0.016181334753131583 | 0.03737983567267203 | 0.05761781787645586 | 0.03152500437281371 | - | 0 | 0 | 0.03243158976618597 Produits pétroliers | 0.02019206790472 | 0 | 0.00032783002677463994 | 0.00020413833542564435 | 0.002161480239078613 | 0.0023348861385518206 | - | 0 | 0 | 0.004035583830101325 Produits pharmaceutiques | 0 | 0.0015254577294202785 | 0 | 0.005329936695532821 | 0.0036543954459765018 | 0.0056856590077245354 | - | 0 | 0 | 0.003163009612634338 Produits alimentaires | 0.04305040018269861 | 0.011507040572796518 | 0.08835294344141577 | 0.08256929557436513 | 0.0381623185109465 | 0.03373092984501908 | - | 0.04415048408862471 | 0.0010360202072672616 | 0.04924383973147954 Matériaux de construction | 0 | 0 | 0.023180845528048298 | 0.019067989187873093 | 0.025895200906286144 | 0.010442874699615799 | - | 0 | 0.0012227830669043042 | 0.015307222287673535 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.026693284463248614 | 0.0542293352632505 | 0.06940818688303928 | 0.035248530528894 | 0.016064977479871716 | 0.0016206424480176367 | - | 0.14900849783982031 | 0.0014653903923284456 | 0.02579518794411513 S-Total | 0.08993575255066723 | 0.09203306417771981 | 0.1974511406324096 | 0.17979972599476268 | 0.1435561904586153 | 0.08533999651174261 | - | 0.19315898192844502 | 0.003724193666500011 | 0.12997643317218982 (2) Commerce de détail Produits pétroliers | 0.001930105628927905 | 0.004099681140940955 | 0 | 0.00454655180925464 | 0.004256373209427025 | 0.006241549287445842 | - | 0 | 0 | 0.0035102169547672054 Produits pharmaceutiques | 0 | 0 | 0 | 0.00043132697836874165 | 0 | 0.0033114600734488685 | - | 0 | 8.113252576616236e-05 | 0.0003721811975969764 Véhicules automobiles | 0 | 0.02474726682410618 | 0.014909539787889357 | 0.03958140368343285 | 0.08085059563632593 | 0.022570688475769544 | - | 0.07348576696811258 | 0 | 0.04113886034117967 Produits alimentaires | 0.00010424792500190745 | 0 | 0.003671103728197442 | 0.03112145952835115 | 0.019178533243904488 | 0.027234031090021153 | - | 0 | 0.001312344945996821 | 0.0173772306762447 Librairie ,papeterie | 0.00015129403270468334 | 0 | 0 | 0.00207622746713539 | 0.0009497052430798425 | 0.0015989652989736466 | - | 0 | 0 | 0.0010496988506733399 Appareils électro- ménagers électroni.équip. inform. | 0.0011797983319116786 | 0 | 0.0026594163121840047 | 0.014477060231916554 | 0.007166522636116583 | 0.031150063176213848 | - | 0 | 0 | 0.009049125803042743 Matériaux de construction | 0 | 0 | 0 | 0.009141010118724823 | 0.011100170469136344 | 0 | - | 0.04491572217820397 | 0 | 0.007062742072220397 Autres | 0.005452140437318743 | 0.24988912482414105 | 0.02805495267132621 | 0.05014672263852512 | 0.03281855197133778 | 0.01926363731399064 | - | 0.12479109143171561 | 0.0005884742290961257 | 0.03544745619465142 S-Total | 0.008817586355864918 | 0.27873607278918816 | 0.049295012499597016 | 0.15152176245570928 | 0.15632045240932801 | 0.11137039471586355 | - | 0.24319258057803217 | 0.001981951700859109 | 0.11500751209037645 [Secteur d'activité sept. 14glo] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2014 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1137698 | 532393.54 | 565469.62 | 7276326.5 | 7067138.08 | 1071116.48 | 13528.33 | 631566.36 | 21662 | 18316898.909999996 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1825959 | 97831.69 | 182757.72999999995 | 3452794.78 | 1712409.27 | 2410087.59 | 22352.12 | 49703.42 | 1160300 | 10914195.599999998 Industries Manufacturières ( 200 à 290 ) | 1313124 | 23183.66 | 313953 | 3827135.22 | 4838094.5 | 745227.07 | 21168.66 | 673429.19 | 291693 | 12047008.299999999 Prêts aux Particuliers ( 1560 ) | 3424875 | 246919.2 | 596564.33 | 2528974.91 | 1295206.62 | 272281.29 | 262756.4 | 16256.33 | 593787 | 9237621.08 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1546879 | 308142.38 | 205610.24 | 832891.36 | 5024167.8 | 625471.76 | 2928987.7 | 0 | 840175 | 12312325.239999998 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 616706 | 57765.61 | 58459.840000000004 | 363020.75 | 1137570.37 | 29468.02 | 0 | 2020.3 | 443433 | 2708443.89 Bâtiments et Travaux Publics ( 600 ) | 28731 | 150634.83 | 0 | 2463149.05 | 806048.35 | 198093.7 | 0 | 5561.7 | 445208 | 4097426.6300000004 Électricité, Gaz et Eau ( 300 à 500 ) | 1626641 | 19045.64 | 368891.12 | 1215411.4 | 1587616.68 | 91774.35 | 0 | 68842.3 | 0 | 4978222.489999999 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 1825.16 | 98565.68 | 0 | 0 | 0 | 0 | 100390.84 Total | 11520613 | 1435916.5500000003 | 2291705.8800000004 | 21961529.13 | 23566817.35 | 5443520.259999999 | 3248793.21 | 1447379.6 | 3796258 | 74712532.97999999 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.09875325210559542 | 0.37076913696690794 | 0.24674615749556827 | 0.33132148753978863 | 0.2998766432922687 | 0.19676908119011946 | 0.00416410929398612 | 0.43635156941551473 | 0.005706145367359121 | 0.24516501019853387 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.15849495161411983 | 0.06813187716236016 | 0.07974746305577395 | 0.15722014435157866 | 0.07266188066756497 | 0.4427443042161104 | 0.006880130114529512 | 0.03434027949544127 | 0.30564308326778633 | 0.14608252678197445 Industries Manufacturières ( 200 à 290 ) | 0.11398039323081159 | 0.016145548291089756 | 0.1369953285628433 | 0.17426542556966299 | 0.20529265484378184 | 0.13690168023733967 | 0.006515853312805958 | 0.4652747558415221 | 0.07683697999451039 | 0.16124481153951636 Prêts aux Particuliers ( 1560 ) | 0.29728235815229626 | 0.17195929665968399 | 0.2603145260507862 | 0.11515477337802299 | 0.05495891111491132 | 0.05001933987474496 | 0.0808781547533461 | 0.011231559433337321 | 0.15641376323737743 | 0.12364218841934921 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.1342705461940263 | 0.21459630087834836 | 0.08971929678864374 | 0.03792501674495195 | 0.21318821822158346 | 0.114902072579041 | 0.9015617525253324 | 0 | 0.22131662284280995 | 0.16479598199803933 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.053530658481454066 | 0.040229085736214955 | 0.025509311866843923 | 0.016529848529723033 | 0.048270004095398146 | 0.005413412386197311 | 0 | 0.0013958328554582362 | 0.11680791979891778 | 0.03625153347062977 Bâtiments et Travaux Publics ( 600 ) | 0.002493877712930727 | 0.1049050030100983 | 0 | 0.11215744748098057 | 0.0342026815937452 | 0.03639073440318197 | 0 | 0.0038425994120685407 | 0.117275485491239 | 0.0548425607668375 Électricité, Gaz et Eau ( 300 à 500 ) | 0.1411939625087658 | 0.013263751295296371 | 0.16096791617954043 | 0.055342749259645926 | 0.06736661367641142 | 0.016859375113265403 | 0 | 0.047563403546657695 | 0 | 0.0666316920526926 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 8.31071456452814e-05 | 0.004182392494334836 | 0 | 0 | 0 | 0 | 0.001343694772426922 Total | 1 | 0.9999999999999998 | 0.9999999999999999 | 1 | 0.9999999999999998 | 1 | 1.0000000000000002 | 0.9999999999999999 | 1 | 1 [Secteur d'activité juin 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2047.63 | 100958.68 | 0 | 0 | 0 | 0 | 103006.31 200 | Industrie alimentaire | 175355 | 21647.54 | 3853.78 | 365879.14 | 1044804.42 | 234585.21 | 0 | 329481.61 | 164052 | 2339658.6999999997 210 | Industrie des boissons | 3923 | 0 | 9464.22 | 656348.93 | 1150654.99 | 110005.88 | 0 | 209649.24 | 72604 | 2212650.26 220 | Industrie du bois | 13969 | 0 | 0 | 2433.4 | 0 | 0 | 0 | 0 | 0 | 16402.4 230 | Industrie chimique | 0 | 0 | 0 | 470541.41 | 69914.34 | 73403.38 | 0 | 0 | 0 | 613859.13 240 | Industrie du textile | 288970 | 0 | 0 | 614771.88 | 252586.35 | 101474.68 | 0 | 0 | 7785 | 1265587.91 250 | Industrie pharmacie | 0 | 0 | 0 | 0 | 18463.09 | 1.47 | 0 | 0 | 0 | 18464.56 260 | Imprimerie, édition | 99256 | 0 | 0 | 188700.8 | 138599.55 | 61303.91 | 0 | 0 | 4479 | 492339.26 270 | Sidérurgie, aciérie | 431555 | 0 | 0 | 576663.91 | 409547.13 | 64975 | 0 | 123176.08 | 47509 | 1653426.12 280 | Industrie de la fabrication | 72094 | 0 | 45339.9 | 807237.81 | 536003.33 | 65654.15 | 0 | 0 | 8865 | 1535194.19 290 | Autres industries | 0 | 0 | 20402.96 | 77748.88 | 118684.96 | 44182.28 | 0 | 0 | 1508 | 262527.07999999996 300 | Production et distribution de l'électricité | 1885691 | 0 | 194690.72 | 892425.13 | 93656.42 | 1896.15 | 0 | 68383.83 | 0 | 3136743.25 400 | Production et distribution de gaz | 0 | 1735.16 | 5091 | 1677.26 | 1648869.45 | 91427.62 | 0 | 400.39 | 0 | 1749200.8799999997 500 | Traitement et distribution de l'eau | 0 | 4528.48 | 0 | 261435.89 | 56519.29 | 0.39 | 0 | 0 | 0 | 322484.05 600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 199928.97 | 20000 | 2275310.08 | 687652.13 | 223334.02 | 0 | 13800.93 | 470805 | 3890831.1300000004 700 | Commerce de gros(1) | 856008 | 115928.27 | 160366.16 | 4085966.62 | 3062102.96 | 558911.26 | 0 | 273399.35 | 30747 | 9143429.62 800 | Commerce de détail(2) | 346006 | 389129.43 | 105432.92 | 2799559.63 | 3183161.83 | 561865.48 | 0 | 199876.2 | 10007 | 7595038.490000001 900 | Rest/débits/boissons, casinos/activités/loterie | 13944 | 2795.46 | 4557.78 | 11375.69 | 20640.48 | 16846.08 | 0 | 0 | 5603 | 75762.49 1000 | Hotels,motels et pensions | 161040 | 0 | 16741.67 | 1043091.98 | 90149.18 | 560589.1 | 107027.54 | 0 | 0 | 1978639.4699999997 1100 | Transport | 34589 | 48263.26 | 61463.32 | 34599.91 | 431988.23 | 32562.6 | 0 | 4848.65 | 0 | 648314.97 1200 | Immobilier résidentiel / Avance Hypothécaire | 935996 | 243779.62 | 66844.25 | 171124.94 | 932112.31 | 597698.51 | 1739389.78 | 0 | 812569 | 5499514.41 1300 | Immobilier commercial | 495532 | 98375.37 | 106423.38 | 587354.91 | 4129584.01 | 2590.63 | 991044.82 | 0 | 31474 | 6442379.12 1400 | Télécommunications | 515888 | 0 | 9592.7 | 128255.12 | 788316.54 | 2112.53 | 0 | 36899.81 | 368394 | 1849458.7 1500 | Services financiers | 5150 | 51351.65 | 1505.29 | 1494069.36 | 743953.93 | 794518.19 | 0 | 9546.87 | 638892 | 3738987.29 1510 | Services professionnels | 402171 | 22055.97 | 80427.82 | 281948.25 | 152575.58 | 133284.78 | 6746.97 | 358.46 | 23249 | 1102817.8299999998 1520 | Services médicaux | 210936 | 282.35 | 0 | 6219.77 | 40524.73 | 14078.01 | 0 | 0 | 1242 | 273282.86 1530 | Services d'agence ou de représentation | 1190 | 0 | 4272.72 | 141033.92 | 32429.11 | 0 | 0 | 0 | 979 | 179904.75 1540 | Services d'enseignement | 23271 | 0 | 3227.06 | 148836.65 | 8401.25 | 10650.57 | 0 | 0 | 7045 | 201431.53 1550 | Autres services | 400561 | 36792.89 | 5423.63 | 1342962.69 | 148840.96 | 795704.88 | 0 | 50191.5 | 34152 | 2814629.55 1560 | Crédit à la consommation | 2598189 | 321510.81 | 291240.9 | 2227055.22 | 1165574.74 | 312141.95 | 247070.94 | 18422.02 | 624747 | 7805952.58 Total | 9971284 | 1558105.23 | 1216362.1800000002 | 21696676.81 | 21257269.97 | 5465798.71 | 3091280.0500000003 | 1338434.94 | 3366707 | 68961918.88999999 (1) Commerce de gros Import-export | 1413 | 43839.71 | 0 | 877952.76 | 1528065.23 | 176478 | 0 | 0 | 0 | 2627748.7 Produits pétroliers | 247985 | 0 | 0 | 3365.62 | 2466.71 | 5497 | 0 | 0 | 0 | 259314.33 Produits pharmaceutiques | 0 | 0 | 0 | 125966.09 | 86654.88 | 31040 | 0 | 0 | 0 | 243660.97 Produits alimentaires | 451644 | 5690.49 | 16301.62 | 1865807.93 | 656849.62 | 192600 | 0 | 71855.39 | 3995 | 3264744.0500000003 Matériaux de construction | 0 | 0 | 0 | 422208.66 | 592890.48 | 139708 | 0 | 0 | 15083 | 1169890.14 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 154965 | 66398.07 | 144064.54 | 790665.56 | 195176.03 | 13588 | 0 | 201543.95 | 11670 | 1578071.15 S-Total | 856007 | 115928.27 | 160366.16 | 4085966.62 | 3062102.9499999997 | 558911 | - | 273399.34 | 30748 | 9143429.34 (2) Commerce de détail Produits pétroliers | 30838 | 6285.23 | 0 | 113115.28 | 92514.6 | 44944 | 0 | 0 | 0 | 287697.11 Produits pharmaceutiques | 0 | 0 | 0 | 11339.75 | 0 | 12397 | 0 | 0 | 1925 | 25661.75 Véhicules automobiles | 19102 | 0 | 34004.93 | 887873.39 | 1397071.53 | 83238 | 0 | 30117.03 | 0 | 2451406.88 Produits alimentaires | 13496 | 176.88 | 21.89 | 684620.13 | 436580.32 | 137248 | 0 | 0 | 5110 | 1277253.22 Librairie ,papeterie | 1772 | 1813.6 | 0 | 43769.34 | 17543.59 | 8465 | 0 | 0 | 0 | 73363.53 Appareils électro- ménagers électroni.équip. inform. | 13518 | 0 | 6196.59 | 376273.31 | 103577.42 | 174131 | 0 | 0 | 0 | 673696.3200000001 Matériaux de construction | 0 | 0 | 0 | 175375.35 | 314069.95 | 113 | 0 | 61041.59 | 0 | 550599.89 Autres | 267280 | 380853.72 | 65209.52 | 507193.09 | 821804.42 | 101330 | 0 | 108717.58 | 2972 | 2255360.33 S-Total | 346006 | 389129.43 | 105432.93 | 2799559.64 | 3183161.83 | 561866 | - | 199876.2 | 10007 | 7595039.029999999 [Secteur d'activité juin 14 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 9.437528234997939e-05 | 0.004749371868658636 | 0 | 0 | 0 | 0 | 0.0014936694288380178 200 | Industrie alimentaire | 0.017585999957477894 | 0.0138935032006792 | 0.0031682833150895894 | 0.016863372359004137 | 0.04915045165604585 | 0.04291874297727294 | - | 0.24616931324282373 | 0.04872773306379201 | 0.0339268213190522 210 | Industrie des boissons | 0.0003934297729359629 | 0 | 0.007780758194898823 | 0.0302511272001567 | 0.05412995138246344 | 0.020126222321128984 | - | 0.1566376024224233 | 0.02156528619805644 | 0.03208510284537415 220 | Industrie du bois | 0.0014009228901714162 | 0 | 0 | 0.00011215542459840883 | 0 | 0 | - | 0 | 0 | 0.00023784720993862133 230 | Industrie chimique | 0 | 0 | 0 | 0.021687257183234967 | 0.0032889613811495477 | 0.013429579809754831 | - | 0 | 0 | 0.008901421826430852 240 | Industrie du textile | 0.02898021959859934 | 0 | 0 | 0.028334840647884454 | 0.011882351325286387 | 0.01856538913779355 | - | 0 | 0.0023123485352304195 | 0.018351982229768263 250 | Industrie pharmacie | 0 | 0 | 0 | 0 | 0.0008685541476425065 | 0 | - | 0 | 0 | 0.0002677500901541402 260 | Imprimerie, édition | 0.009954184436026494 | 0 | 0 | 0.008697221314234988 | 0.0065201011322527785 | 0.011215910656907453 | - | 0 | 0.0013303801013869042 | 0.007139291770365645 270 | Sidérurgie, aciérie | 0.04327978222263051 | 0 | 0 | 0.026578444019326297 | 0.019266214832760108 | 0.0118875581497585 | - | 0.09202993460406825 | 0.014111415100868593 | 0.023975929710386288 280 | Industrie de la fabrication | 0.007230162133582797 | 0 | 0.037274999786658936 | 0.03720559683259623 | 0.025215059636371547 | 0.012011812634058745 | - | 0 | 0.0026331367713317492 | 0.022261477271952986 290 | Autres industries | 0 | 0 | 0.016773754014614294 | 0.003583446473432537 | 0.0055832644628166245 | 0.008083407813603878 | - | 0 | 0.00044791542596370876 | 0.003806841286112594 300 | Production et distribution de l'électricité | 0.18911215446275526 | 0 | 0.16005982691767018 | 0.04113188106248056 | 0.004405853627120303 | 0.00034691178738998973 | - | 0.05109238257034743 | 0 | 0.045485150362526414 400 | Production et distribution de gaz | 0 | 0.0011136346676661885 | 0.004185431020224584 | 7.730492621925173e-05 | 0.07756731943128255 | 0.016727220457776425 | - | 0.0002991478988138191 | 0 | 0.025364736192885252 500 | Traitement et distribution de l'eau | 0 | 0.002906401899440386 | 0 | 0.012049582168247268 | 0.002658821668058253 | 7.135279228019723e-08 | - | 0 | 0 | 0.004676262714127618 600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 0.1283154476029838 | 0.01644247110675539 | 0.10486905897733194 | 0.03234903310587253 | 0.04086027163631132 | - | 0.010311244564491121 | 0.13984139397933945 | 0.05641999516002739 700 | Commerce de gros(1) | 0.08584731916170475 | 0.07440336362904064 | 0.1318407976150656 | 0.18832223274472973 | 0.14404968108893995 | 0.10225610009703413 | - | 0.2042679414809658 | 0.009132662866118139 | 0.13258664734350753 800 | Commerce de détail(2) | 0.03470024522418577 | 0.24974528196661017 | 0.08667888704004262 | 0.12903172474365673 | 0.1497446207576203 | 0.10279659200988028 | - | 0.14933576076548033 | 0.002972340628394452 | 0.11013380445684409 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0013984156904968308 | 0.001794140694848961 | 0.0037470582980473786 | 0.0005243056390440837 | 0.0009709845163151024 | 0.003082089351219449 | - | 0 | 0.001664237487847918 | 0.0010986134263585023 1000 | Hotels,motels et pensions | 0.016150377423810213 | 0 | 0.013763721262691674 | 0.04807611733052312 | 0.004240863484691397 | 0.10256307078677619 | 0.034622401810537995 | 0 | 0 | 0.028691769339482778 1100 | Transport | 0.0034688611817695696 | 0.03097561003630031 | 0.05053044316126303 | 0.0015947101163461541 | 0.020321905428573716 | 0.005957519061290129 | - | 0.0036226265880357246 | 0 | 0.00940105757547316 1200 | Immobilier résidentiel | 0.09386915466453467 | 0.1564590217054852 | 0.05495423246388669 | 0.007887149792503177 | 0.04384910721440116 | 0.10935245546208562 | 0.5626762221041732 | 0 | 0.24135423724131622 | 0.07974711983830068 1300 | Immobilier commercial | 0.049695906765868866 | 0.06313782157062652 | 0.08749316753666248 | 0.027071192291037313 | 0.19426690331486626 | 0.00047397098529448043 | 0.32059367122043825 | 0 | 0.009348600873197459 | 0.09341937149800214 1400 | Télécommunications | 0.0517373690289034 | 0 | 0.007886384629288621 | 0.00591127946105033 | 0.037084561710536534 | 0.0003864997801940643 | - | 0.027569371433175525 | 0.10942264949103085 | 0.02681855043723538 1500 | Services financiers | 0.0005164831329646212 | 0.03295775472109801 | 0.001237534366614391 | 0.06886166822153075 | 0.03499762345070316 | 0.14536177275361095 | - | 0.007132860712676853 | 0.18976762753634338 | 0.05421814459606318 1510 | Services professionnels | 0.04033292001310965 | 0.014155635688354632 | 0.06612160532646616 | 0.012994996997422667 | 0.007177571730298723 | 0.02438523390115843 | 0.0021825812902328276 | 0.0002678202647638592 | 0.006905560834370202 | 0.01599169291908896 1520 | Services médicaux | 0.021154346822335017 | 0.00018121369119594063 | 0 | 0.0002866692468375299 | 0.001906393909339808 | 0.002575654674996255 | - | 0 | 0.00036890647151652933 | 0.0039628082338588775 1530 | Services d'agence ou de représentation | 0.00011934270451027169 | 0 | 0.0035127037573627943 | 0.006500254450718346 | 0.0015255538479666776 | 0 | - | 0 | 0.00029078859550296475 | 0.002608754989648172 1540 | Services d'enseignement | 0.002333801745091204 | 0 | 0.0026530420404883024 | 0.006859882336054395 | 0.0003952177307742966 | 0.0019485843817325648 | - | 0 | 0.002092549188272101 | 0.0029209095866560802 1550 | Autres services | 0.04017145635406634 | 0.023613867209726264 | 0.004458893978436586 | 0.06189716064632665 | 0.007001885012047951 | 0.1455788846640494 | - | 0.03750014177005869 | 0.010144036888270943 | 0.04081425800360296 1560 | Crédit à la consommation | 0.26056714461246916 | 0.2063473017159438 | 0.2394360041677718 | 0.10264499211112138 | 0.05483181714514397 | 0.057108204410989 | 0.07992512357461758 | 0.01376385168187555 | 0.18556619272184957 | 0.11319221833793729 Total | 1 | 1 | 0.9999999999999999 | 0.9999999999999998 | 1.0000000000000002 | 0.9999997310548598 | 0.9999999999999999 | 1 | 0.9999999999999999 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.0001417069256075747 | 0.028136552753885564 | 0 | 0.040464849418568635 | 0.07188435919365614 | 0.032287687374422176 | - | 0 | 0 | 0.03810434428588738 Produits pétroliers | 0.024869916452083803 | 0 | 0 | 0.00015512145152334045 | 0.00011604077115646663 | 0.001005708459395498 | - | 0 | 0 | 0.0037602539803689044 Produits pharmaceutiques | 0 | 0 | 0 | 0.0058057780508553375 | 0.004076482075181549 | 0.005678950441993133 | - | 0 | 0 | 0.0035332684171485943 Produits alimentaires | 0.045294467593140465 | 0.003652185930984905 | 0.01340194579216529 | 0.08599510175401834 | 0.030899998961625836 | 0.035237302033758945 | - | 0.05368612836721074 | 0.0011866194474303823 | 0.04734125880701695 Matériaux de construction | 0 | 0 | 0 | 0.019459600366329096 | 0.02789118644288451 | 0.025560399753543066 | - | 0 | 0.004480045338070703 | 0.016964292160519378 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.015541127902885928 | 0.042614624944170176 | 0.1184388518229003 | 0.03644178170343498 | 0.009181613174008159 | 0.002486004465393128 | - | 0.15058180564234225 | 0.003466295106761592 | 0.022883225632354502 S-Total | 0.08584721887371777 | 0.07440336362904065 | 0.1318407976150656 | 0.18832223274472973 | 0.14404968061851264 | 0.10225605252850595 | - | 0.20426793400955298 | 0.009132959892262676 | 0.1325866432832957 (2) Commerce de détail Produits pétroliers | 0.0030926809425947553 | 0.004033893140837477 | 0 | 0.005213484119736953 | 0.004352139297782085 | 0.008222768964720985 | - | 0 | 0 | 0.004171825764577417 Produits pharmaceutiques | 0 | 0 | 0 | 0.0005226491641693952 | 0 | 0.0022681040151220646 | - | 0 | 0.0005717753282361667 | 0.00037211479049665993 Véhicules automobiles | 0.0019157011273573193 | 0 | 0.027956253950611975 | 0.04092209133109173 | 0.06572205800517479 | 0.015228881343125788 | - | 0.022501676472970737 | 0 | 0.03554725447692658 Produits alimentaires | 0.0013534866723282578 | 0.00011352249937573215 | 0 | 0.0315541470242327 | 0.020537929876044192 | 0.025110328294544897 | - | 0 | 0.0015178035985905516 | 0.018521138050658442 Librairie ,papeterie | 0.00017771031293462307 | 0.0011639778656028258 | 0 | 0.0020173292151278535 | 0.0008252983579151486 | 0.001548721504235563 | - | 0 | 0 | 0.0010638266913225102 Appareils électro- ménagers électroni.équip. inform. | 0.0013556930080418932 | 0 | 0.005094362601770468 | 0.01734243973374649 | 0.004872564545973069 | 0.0318582899295975 | - | 0 | 0 | 0.009769106353821186 Matériaux de construction | 0 | 0 | 0 | 0.008083051221888944 | 0.01477470768557022 | 0 | - | 0.045606691947238015 | 0 | 0.007984114984941948 Autres | 0.026804973160928922 | 0.2444338884607941 | 0.05361028242426938 | 0.023376533394562745 | 0.03865992298916078 | 0.018538919081416375 | - | 0.08122739234527157 | 0.0008827617015677337 | 0.03270443117450789 S-Total | 0.03470024522418577 | 0.24974528196661014 | 0.08666089897665183 | 0.1290317252045568 | 0.1497446207576203 | 0.10277601313276317 | - | 0.14933576076548033 | 0.002972340628394452 | 0.11013381228725264 [Secteur d'activité juin 14g ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 JUIN 2014 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1202014 | 505057.7 | 265799.08 | 6885526.25 | 6245264.79 | 1120776.74 | 0 | 473275.55 | 40754 | 16738468.110000001 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 1218263 | 113278.32 | 116155.97 | 4469538.31 | 1237515.22 | 2325671.61 | 113774.51 | 60096.83 | 711162 | 10365455.77 Industries Manufacturières ( 200 à 290 ) | 1085122 | 21647.54 | 79060.86 | 3760326.16 | 3739258.1599999997 | 755585.96 | 0 | 662306.9299999999 | 306802 | 10410109.61 Prêts aux Particuliers ( 1560 ) | 2598189 | 321510.81 | 291240.9 | 2227055.22 | 1165574.74 | 312141.95 | 247070.94 | 18422.02 | 624747 | 7805952.58 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1431528 | 342154.99 | 173267.63 | 758479.8500000001 | 5061696.32 | 600289.14 | 2730434.6 | 0 | 844043 | 11941893.530000001 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 550477 | 48263.26 | 71056.02 | 162855.03 | 1220304.77 | 34675.13 | 0 | 41748.46 | 368394 | 2497773.67 Bâtiments et Travaux Publics ( 600 ) | 0 | 199928.97 | 20000 | 2275310.08 | 687652.13 | 223334.02 | 0 | 13800.93 | 470805 | 3890831.1300000004 Électricité, Gaz et Eau ( 300 à 500 ) | 1885691 | 6263.639999999999 | 199781.72 | 1155538.28 | 1799045.16 | 93324.15999999999 | 0 | 68784.22 | 0 | 5208428.18 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 2047.63 | 100958.68 | 0 | 0 | 0 | 0 | 103006.31 Total | 9971284 | 1558105.23 | 1216362.1800000002 | 21696676.81 | 21257269.97 | 5465798.709999999 | 3091280.0500000003 | 1338434.94 | 3366707 | 68961918.89000002 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.12054756438589052 | 0.3241486455956508 | 0.2185196846551082 | 0.31735395748838646 | 0.29379430184656025 | 0.20505269210691446 | 0 | 0.35360370224644616 | 0.01210500349451259 | 0.24272045180035154 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.12217714388638413 | 0.07270261200522381 | 0.09549455903010728 | 0.20600105486845752 | 0.058216093682137114 | 0.4254952905135433 | 0.03680498310077082 | 0.04490082274749941 | 0.21123370700212404 | 0.15030695109475944 Industries Manufacturières ( 200 à 290 ) | 0.10882470101142441 | 0.0138935032006792 | 0.06499779531126164 | 0.17331346145446871 | 0.17590490995678876 | 0.13823889244541904 | 0 | 0.4948368502693153 | 0.09112821519662982 | 0.15095446555953568 Prêts aux Particuliers ( 1560 ) | 0.26056714461246916 | 0.2063473017159438 | 0.2394360041677718 | 0.10264499211112138 | 0.05483181714514397 | 0.057108204410989016 | 0.07992512357461758 | 0.01376385168187555 | 0.18556619272184957 | 0.11319221833793723 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.14356506143040354 | 0.2195968432761117 | 0.14244740000054917 | 0.0349583420835405 | 0.23811601052926745 | 0.10982642644738011 | 0.8832698933246116 | 0 | 0.25070283811451366 | 0.17316649133630277 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05520623021067297 | 0.03097561003630031 | 0.058416827790551656 | 0.007505989577396485 | 0.05740646713911025 | 0.006344018841484194 | 0 | 0.031191998021211254 | 0.10942264949103085 | 0.03621960801270852 Bâtiments et Travaux Publics ( 600 ) | 0 | 0.1283154476029838 | 0.01644247110675539 | 0.10486905897733194 | 0.03234903310587253 | 0.04086027163631133 | 0 | 0.010311244564491121 | 0.13984139397933945 | 0.05641999516002736 Électricité, Gaz et Eau ( 300 à 500 ) | 0.18911215446275526 | 0.004020036567106575 | 0.16424525793789477 | 0.05325876815694708 | 0.0846319947264611 | 0.017074203597958696 | 0 | 0.05139153046916125 | 0 | 0.07552614926953925 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 9.437528234997939e-05 | 0.004749371868658636 | 0 | 0 | 0 | 0 | 0.0014936694288380174 Total | 1 | 1 | 0.9999999999999999 | 1 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 0.9999999999999999 [Secteur d'activité mars 14 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2532.02 | 105837.15 | 0 | 0 | 0 | 0 | 108369.17 200 | Industrie alimentaire | 174753 | 21753.16 | 18489.38 | 359734.74 | 1073693.77 | 253118.9 | 0 | 366720.2 | 168820 | 2437083.15 210 | Industrie des boissons | 3927 | 0 | 9464.22 | 688840.96 | 1144715.91 | 110012.93 | 0 | 347370.5 | 75167 | 2379498.5199999996 220 | Industrie du bois | 4948 | 0 | 8820.91 | 2850.04 | 0 | 1.19 | 0 | 0 | 0 | 16620.14 230 | Industrie chimique | 0 | 0 | 487.47 | 523138.59 | 96015.57 | 68607 | 0 | 0 | 0 | 688248.63 240 | Industrie du textile | 213999 | 0 | 0 | 623348.23 | 241025.69 | 35654.43 | 0 | 0 | 7950 | 1121977.3499999999 250 | Industrie pharmacie | 0 | 0 | 9511.73 | 0 | 65367.38 | 179.95 | 0 | 0 | 0 | 75059.06 260 | Imprimerie, édition | 57170 | 0 | 3999.91 | 140128.16 | 116931.44 | 47241.67 | 0 | 0 | 4536 | 370007.18 270 | Sidérurgie, aciérie | 458122 | 0 | 17019.96 | 611370.78 | 460121.69 | 64975 | 0 | 193045.29 | 49614 | 1854268.72 280 | Industrie de la fabrication | 73993 | 0 | 0 | 790967.15 | 542941.86 | 86402.12 | 0 | 0 | 12783 | 1507087.13 290 | Autres industries | 0 | 0 | 0 | 81731.11 | 118528.21 | 38579.96 | 0 | 0 | 2387 | 241226.28 300 | Production et distribution de l'électricité | 2207081 | 0 | 368512.18 | 897062.67 | 3585.99 | 2063.53 | 0 | 362.08 | 0 | 3478667.45 400 | Production et distribution de gaz | 0 | 1965.3 | 6127.89 | 811.36 | 2489695.82 | 91949.16 | 0 | 1125.18 | 0 | 2591674.71 500 | Traitement et distribution de l'eau | 0 | 4186.25 | 0 | 262285.64 | 61242.18 | 0 | 0 | 0 | 0 | 327714.07 600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 202076 | 129634.45 | 2446875.08 | 639500.69 | 282868.75 | 0 | 0 | 455863 | 4156817.97 700 | Commerce de gros(1) | 935690 | 129686.48 | 259655.25 | 3943135.1 | 3135128.29 | 559132.5 | 0 | 307979.2 | 20847 | 9291253.82 800 | Commerce de détail(2) | 311249 | 405901.83 | 123269.38 | 2767818.27 | 3133645.17 | 574643.07 | 0 | 182194.7 | 9824 | 7508545.420000001 900 | Rest/débits/boissons, casinos/activités/loterie | 7649 | 2792.01 | 5108.06 | 11691.88 | 22896.44 | 15316.66 | 0 | 0 | 5641 | 71095.05 1000 | Hotels,motels et pensions | 153202 | 0 | 18882.74 | 1056366.4 | 56635.13 | 559558.31 | 0 | 0 | 0 | 1844644.5799999998 1100 | Transport | 33933 | 48470.9 | 69188.78 | 34089.87 | 409860.72 | 28820.84 | 0 | 4963.32 | 0 | 629327.4299999999 1200 | Immobilier résidentiel / Avance Hypothécaire | 869208 | 189850.58 | 66854.53 | 178457.55 | 929993.53 | 585314.44 | 1645143.52 | 0 | 812137 | 5276959.15 1300 | Immobilier commercial | 468197 | 97936.57 | 114213.47 | 900045.86 | 3853906.06 | 3133.02 | 1064749.53 | 963.26 | 42815 | 6545959.77 1400 | Télécommunications | 542564 | 0 | 8197.99 | 136136.02 | 844196.86 | 4074.94 | 0 | 62506.01 | 363245 | 1960920.82 1500 | Services financiers | 8493 | 25282.49 | 8840.21 | 1402910.68 | 765117.27 | 669708.78 | 0 | 11898.79 | 473163 | 3365414.2199999997 1510 | Services professionnels | 338333 | 23890.68 | 68083.18 | 179492.06 | 136553.76 | 137764.47 | 0 | 762.99 | 27342 | 912222.1399999999 1520 | Services médicaux | 253747 | 300.91 | 0 | 6471.14 | 40884.01 | 15755.38 | 0 | 0 | 1332 | 318490.44 1530 | Services d'agence ou de représentation | 1778 | 0 | 4310.86 | 136074.52 | 31972.92 | 55.66 | 0 | 1239.06 | 1025 | 176456.02 1540 | Services d'enseignement | 25160 | 0 | 5353.79 | 148456.7 | 7732.17 | 11118.63 | 0 | 0 | 5808 | 203629.29000000004 1550 | Autres services | 209898 | 36813.36 | 1571.65 | 1226710.59 | 139130.52 | 448818.59 | 0 | 46900.72 | 22501 | 2132344.43 1560 | Crédit à la consommation | 2601464 | 374009.55 | 259767.63 | 2234299.89 | 1184838 | 269084.66 | 253560.26 | 22978.81 | 617342 | 7817344.8 Total | 9954558 | 1564916.07 | 1585365.62 | 21793833.06 | 21851694.200000007 | 4963954.539999999 | 2963453.3099999996 | 1551010.11 | 3180142 | 69408926.90999998 (1) Commerce de gros Import-export | 2255 | 45618.32 | 120923.07 | 793915.62 | 1357676.34 | 179046 | 0 | 0 | 4404 | 2503838.35 Produits pétroliers | 396024 | 0 | 0 | 135295.42 | 38403.14 | 5273 | 0 | 0 | 0 | 574995.56 Produits pharmaceutiques | 0 | 0 | 0 | 120997.87 | 90309.45 | 31203 | 0 | 0 | 0 | 242510.32 Produits alimentaires | 472462 | 16421.86 | 51106.64 | 1775401.72 | 649563.27 | 229806 | 0 | 112290.95 | 3411 | 3310463.44 Matériaux de construction | 0 | 0 | 0 | 0 | 625849.12 | 99431 | 0 | 0 | 0 | 725280.12 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 64950 | 67646.3 | 87625.54 | 1117524.47 | 373326.96 | 14373 | 0 | 195688.25 | 13032 | 1934166.52 S-Total | 935691 | 129686.48000000001 | 259655.25 | 3943135.0999999996 | 3135128.2800000003 | 559132 | - | 307979.2 | 20847 | 9291254.31 (2) Commerce de détail Produits pétroliers | 27397 | 6556.48 | 822.42 | 147107.45 | 87080.24 | 33911 | 0 | 30329.42 | 0 | 333204.01 Produits pharmaceutiques | 0 | 0 | 0 | 11635.18 | 13796.9 | 19704 | 0 | 0 | 1697 | 46833.08 Véhicules automobiles | 17731 | 0 | 0 | 848425.1 | 1219219.99 | 83261 | 0 | 5871.77 | 0 | 2174508.86 Produits alimentaires | 13105 | 176.88 | 36829.92 | 667629.58 | 571416.2 | 161709 | 0 | 0 | 5350 | 1456216.58 Librairie ,papeterie | 1800 | 1788.25 | 0 | 59160.42 | 18301.19 | 8235 | 0 | 0 | 0 | 89284.86 Appareils électro- ménagers électroni.équip. inform. | 13328 | 0 | 6136.44 | 366204.2 | 155242.65 | 174159 | 0 | 3135.23 | 0 | 718205.52 Matériaux de construction | 0 | 0 | 0 | 0 | 305851.45 | 761 | 0 | 37723.06 | 0 | 344335.51 Autres | 237887 | 397380.22 | 79480.6 | 667656.35 | 762736.55 | 92902 | 0 | 105135.22 | 2777 | 2345954.94 S-Total | 311248 | 405901.82999999996 | 123269.38 | 2767818.2800000003 | 3133645.17 | 574642 | - | 182194.7 | 9824 | 7508543.359999999 [Secteur d'activité mars 14 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2014 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.00011618057241372666 | 0.004843429943294738 | 0 | 0 | 0 | 0 | 0.001561314586242175 200 | Industrie alimentaire | 0.017555073766208403 | 0.013900528224494493 | 0.011662533718878047 | 0.016506262987773846 | 0.04913549311888136 | 0.05099138156087949 | - | 0.23643959354978028 | 0.053085679821844436 | 0.035111955457258065 210 | Industrie des boissons | 0.0003944926535161079 | 0 | 0.00596973964907855 | 0.031607150431205516 | 0.05238568229643263 | 0.022162356466705276 | - | 0.2239640462433865 | 0.023636365923282672 | 0.03428231246227749 220 | Industrie du bois | 0.0004970587343004079 | 0 | 0.005563959435426636 | 0.00013077277375455864 | 0 | 0 | - | 0 | 0 | 0.00023945248457090724 230 | Industrie chimique | 0 | 0 | 0.00030748112224106386 | 0.024003973443302132 | 0.0043939645649992655 | 0.013821037128192559 | - | 0 | 0 | 0.009915851759132177 240 | Industrie du textile | 0.02149758934550384 | 0 | 0 | 0.028602046656220466 | 0.011030068780662322 | 0.007182666503629988 | - | 0 | 0.0024998883697646204 | 0.01616474133730416 250 | Industrie pharmacie | 0 | 0 | 0.005999707499649197 | 0 | 0.0029914101580279288 | 0 | - | 0 | 0 | 0.0010814035505451098 260 | Imprimerie, édition | 0.00574309778495439 | 0 | 0.0025230205257005633 | 0.006429716131816604 | 0.005351138402806313 | 0.009516942514143171 | - | 0 | 0.0014263514019185308 | 0.005330829858236748 270 | Sidérurgie, aciérie | 0.046021330128369335 | 0 | 0.010735668659195471 | 0.02805246687523264 | 0.021056568236251443 | 0.013089362417891928 | - | 0.12446423705129814 | 0.015601190135534829 | 0.026715133089499604 280 | Industrie de la fabrication | 0.0074330773902768965 | 0 | 0 | 0.03629316365883919 | 0.02484667115650922 | 0.017405904768821676 | - | 0 | 0.0040196318277611505 | 0.021713159921838074 290 | Autres industries | 0 | 0 | 0 | 0.003750194368057622 | 0.005424211455421153 | 0.0077720212159718945 | - | 0 | 0.0007505954136639182 | 0.00347543595239254 300 | Production et distribution de l'électricité | 0.22171562012095364 | 0 | 0.23244617856668293 | 0.04116130776675776 | 0.00016410581107253455 | 0.0004157028400183537 | - | 0.00023344786579115203 | 0 | 0.05011844448352675 400 | Production et distribution de gaz | 0 | 0.001255850098082257 | 0.0038652850312220093 | 0 | 0.11393605444103273 | 0.018523368668883905 | - | 0.0007254498167004211 | 0 | 0.037339213057717056 500 | Traitement et distribution de l'eau | 0 | 0.0026750635898320093 | 0 | 0.012034855882299762 | 0.0028026284570648982 | 0 | - | 0 | 0 | 0.004721497429645251 600 | Entrep/ batiment et corps/ métiers corresp. | 0 | 0.12912896983670186 | 0.08176943435924894 | 0.11227373694492272 | 0.029265496951719185 | 0.056984556913367714 | - | 0 | 0.143346743635976 | 0.059888809048870534 700 | Commerce de gros(1) | 0.09399613724687726 | 0.08287120471579028 | 0.16378256644672287 | 0.1809289393538192 | 0.14347300769017712 | 0.1126385214639778 | - | 0.19856685524764245 | 0.0065553676533940935 | 0.13386251932763102 800 | Commerce de détail(2) | 0.03126698342608481 | 0.2593761018761856 | 0.07775454345982348 | 0.12700006751359416 | 0.14340513560728846 | 0.11576316127987749 | - | 0.1174684154702254 | 0.003089170232021086 | 0.1081783821515647 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0007683917256798343 | 0.0017841276305635995 | 0.003222007551797421 | 0.0005364765329628527 | 0.001047810745951222 | 0.003085576202718408 | - | 0 | 0.0017738201627474496 | 0.001024292597005373 1000 | Hotels,motels et pensions | 0.0153901358553539 | 0 | 0.011910653140062417 | 0.048470886103043315 | 0.0025917958343019453 | 0.11272430186276447 | - | 0 | 0 | 0.026576474556246676 1100 | Transport | 0.003408790224538347 | 0.030973482175309246 | 0.043642159970644495 | 0.001564197996109639 | 0.01875647335390589 | 0.005806024162340537 | - | 0.0032000565102699424 | 0 | 0.009066952307388729 1200 | Immobilier résidentiel | 0.08731758858605274 | 0.12131678090570057 | 0.042169786676716246 | 0.0081884425520143 | 0.042559332996706487 | 0.11791293318330834 | 0.5551440660288318 | 0 | 0.2553775900572993 | 0.07602709600801696 1300 | Immobilier commercial | 0.047033429309468085 | 0.06258263422395553 | 0.07204235323331913 | 0.04129819006698402 | 0.17636646498558445 | 0.000631154047595287 | 0.35929350612917205 | 0.0006210533340753014 | 0.013463235289493362 | 0.09431005580143756 1400 | Télécommunications | 0.05450407742865128 | 0 | 0.005171040608285677 | 0.006246538625179319 | 0.03863301638186021 | 0.0008209059867820629 | - | 0.040300195077387344 | 0.11422288690253454 | 0.028251709215194386 1500 | Services financiers | 0.0008531770069550049 | 0.016155812113297554 | 0.00557613328337472 | 0.06437191090423082 | 0.03501409378134167 | 0.13491436607717205 | - | 0.0076716392261298675 | 0.14878675228967764 | 0.0484867634441865 1510 | Services professionnels | 0.03398774712046482 | 0.015266428952959758 | 0.04294478140632316 | 0.008235910567262096 | 0.006249115457601451 | 0.027752967697403617 | - | 0.0004919310293857466 | 0.0085977292837867 | 0.013142720693302823 1520 | Services médicaux | 0.025490534084989008 | 0.00019228507251510302 | 0 | 0.0002969252807518753 | 0.0018709766677953963 | 0.0031739573505441495 | - | 0 | 0.0004188492211982987 | 0.004588609191624226 1530 | Services d'agence ou de représentation | 0.00017861164704650875 | 0 | 0.002719158246915938 | 0.00624371672598285 | 0.0014631780816335965 | 0 | - | 0.0007988729357798962 | 0.00032231265144763976 | 0.00254226693677031 1540 | Services d'enseignement | 0.0025274853991508212 | 0 | 0.0033770064977188033 | 0.00681186735675583 | 0.0003538476206572577 | 0.002239873453796779 | - | 0 | 0.00182633354108087 | 0.0029337622560285177 1550 | Autres services | 0.021085617261961807 | 0.023524175325262013 | 0.0009913486076479948 | 0.05628705086538825 | 0.006367035833770726 | 0.09041553188760672 | - | 0.030238822879110696 | 0.007075470214852041 | 0.030721472365722254 1560 | Crédit à la consommation | 0.26133395375264273 | 0.2389965552593501 | 0.16385345230332418 | 0.10251982218312909 | 0.05422179118724806 | 0.05420772044378956 | 0.08556242784199629 | 0.01481538376303685 | 0.1941240359707208 | 0.11262736866882361 Total | 0.9999999999999998 | 0.9999999999999998 | 0.9999999999999999 | 0.9999627711198041 | 0.9999999999999993 | 0.9999522960981834 | 1 | 1 | 1 | 1.0000000000000002 (1) Commerce de gros Import-export | 0.0002265293948761964 | 0.029150649593623252 | 0.076274563087851 | 0.03642845284784429 | 0.0621313994042622 | 0.036069226371279385 | - | 0 | 0.00138484382143942 | 0.03607372223527725 Produits pétroliers | 0.039783182739002575 | 0 | 0 | 0.006207968081040262 | 0.0017574445097259318 | 0.0010622579150372318 | - | 0 | 0 | 0.00828417302497092 Produits pharmaceutiques | 0 | 0 | 0 | 0.005551931579308886 | 0.0041328351556374964 | 0.0062859157449093005 | - | 0 | 0 | 0.00349393559007841 Produits alimentaires | 0.04746187625809202 | 0.010493764052151373 | 0.032236500751164264 | 0.08146349084680013 | 0.029725991223142772 | 0.04629494451413732 | - | 0.07239859319808044 | 0.0010725936137442919 | 0.04769506729721606 Matériaux de construction | 0 | 0 | 0 | 0 | 0.02864075958009699 | 0.020030602455920157 | - | 0 | 0 | 0.010449378088505016 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.006524649311400868 | 0.04322679107001566 | 0.05527150260770761 | 0.05127709599882564 | 0.017084577359681333 | 0.0028954737365503758 | - | 0.126168262049562 | 0.004097930218210382 | 0.027866250151193997 S-Total | 0.09399623770337166 | 0.08287120471579029 | 0.16378256644672287 | 0.1809289393538192 | 0.14347300723254672 | 0.11263842073783377 | - | 0.19856685524764245 | 0.0065553676533940935 | 0.13386252638724166 (2) Commerce de détail Produits pétroliers | 0.002752206577127784 | 0.004189668778850229 | 0.0005187573072260769 | 0.00674995764145768 | 0.0039850566826987715 | 0.00683144854102552 | - | 0.019554624308670686 | 0 | 0.004800593019281993 Produits pharmaceutiques | 0 | 0 | 0 | 0.0005338748795573274 | 0.0006313881145197426 | 0.003969415884296153 | - | 0 | 0.000533623970250385 | 0.0006747414501988591 Véhicules automobiles | 0.0017811941022393963 | 0 | 0 | 0.038929595251290784 | 0.055795215640533705 | 0.016773118957692956 | - | 0.0037857715833973515 | 0 | 0.0313289508541114 Produits alimentaires | 0.0013164823591363876 | 0.00011302842586311992 | 0.023231183731611385 | 0.03063387602180706 | 0.026149743574573718 | 0.032576648052864726 | - | 0 | 0.0016823148148730465 | 0.020980249152795907 Librairie ,papeterie | 0.0001808216899233497 | 0.0011427130401951843 | 0 | 0.0027145486448908315 | 0.0008375181270841687 | 0.0016589595923253563 | - | 0 | 0 | 0.0012863598959795533 Appareils électro- ménagers électroni.équip. inform. | 0.0013388841573880026 | 0 | 0.0038706781089399424 | 0.01680311118249889 | 0.007104375916078852 | 0.035084729039440404 | - | 0.0020214117108495184 | 0 | 0.010347451718008417 Matériaux de construction | 0 | 0 | 0 | 0 | 0.013996692759868474 | 0.00015330519122763766 | - | 0.02432160806482428 | 0 | 0.004960968643795448 Autres | 0.023897294083775493 | 0.253930691631277 | 0.05013392431204607 | 0.03063510435093697 | 0.03490514479193105 | 0.018715320467056498 | - | 0.06778499980248355 | 0.0008732314468976542 | 0.03379903773821361 S-Total | 0.03126688296959042 | 0.25937610187618554 | 0.07775454345982348 | 0.12700006797243954 | 0.14340513560728846 | 0.11576294572592925 | - | 0.11746841547022538 | 0.0030891702320210855 | 0.10817835247238519 [Secteur d'activité mars 14g ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 MARS 2014 Regroupement des Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME Commerce de Gros et Détail (700 ; 800 ) | 1246939 | 535588.31 | 382924.63 | 6710953.37 | 6268773.46 | 1133775.5699999998 | 0 | 490173.9 | 30671 | 16799799.240000002 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 998260 | 89079.45 | 112150.48999999998 | 4168173.9699999997 | 1200922.22 | 1858096.48 | 0 | 60801.56 | 536812 | 9024296.17 Industries Manufacturières ( 200 à 290 ) | 986912 | 21753.16 | 67793.57999999999 | 3822109.76 | 3859341.519999999 | 704773.1499999999 | 0 | 907135.99 | 321257 | 10691076.16 Prêts aux Particuliers ( 1560 ) | 2601464 | 374009.55 | 259767.63 | 2234299.89 | 1184838 | 269084.66 | 253560.26 | 22978.81 | 617342 | 7817344.8 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 1337405 | 287787.15 | 181068 | 1078503.41 | 4783899.59 | 588447.46 | 2709893.05 | 963.26 | 854952 | 11822918.92 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 576497 | 48470.9 | 77386.77 | 170225.88999999998 | 1254057.58 | 32895.78 | 0 | 67469.33 | 363245 | 2590248.25 Bâtiments et Travaux Publics ( 600 ) | 0 | 202076 | 129634.45 | 2446875.08 | 639500.69 | 282868.75 | 0 | 0 | 455863 | 4156817.97 Électricité, Gaz et Eau ( 300 à 500 ) | 2207081 | 6151.55 | 374640.07 | 1160159.67 | 2554523.99 | 94012.69 | 0 | 1487.26 | 0 | 6398056.2299999995 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 2532.02 | 105837.15 | 0 | 0 | 0 | 0 | 108369.17 Total | 9954558 | 1564916.07 | 1585365.6199999999 | 21793833.06 | 21851694.199999996 | 4963954.540000001 | 2963453.3099999996 | 1551010.11 | 3180142 | 69408926.91000001 Regroupement des Secteurs d'activités Commerce de Gros et Détail (700 ; 800 ) | 0.12526312067296208 | 0.3422473065919759 | 0.24153710990654637 | 0.30792900686741337 | 0.28687814329746575 | 0.2284016827438552 | 0 | 0.31603527071786786 | 0.00964453788541518 | 0.2420409014791956 Services et Autres ( 1500 à 1550 ; 900 ; 1000 ) | 0.1002817001016017 | 0.05692282909459802 | 0.07074108873384045 | 0.19125474433637787 | 0.05495785402305329 | 0.37431778736636045 | 0 | 0.0392012660704062 | 0.16880126736479062 | 0.13001636204088662 Industries Manufacturières ( 200 à 290 ) | 0.09914171980312939 | 0.013900528224494493 | 0.042762110610169525 | 0.17537574732620256 | 0.17661520816999168 | 0.14197816364369842 | 0 | 0.5848678768444648 | 0.10101970289377016 | 0.15403027587305482 Prêts aux Particuliers ( 1560 ) | 0.26133395375264273 | 0.2389965552593501 | 0.1638534523033242 | 0.10251982218312909 | 0.05422179118724809 | 0.05420772044378954 | 0.08556242784199629 | 0.01481538376303685 | 0.1941240359707208 | 0.11262736866882356 Immobilier Résidentiel et Commercial ( 1200 ; 1300 ) | 0.1343510178955208 | 0.18389941512965613 | 0.1142121399100354 | 0.04948663261899832 | 0.21892579798229103 | 0.11854408723090358 | 0.9144375721580038 | 0.0006210533340753014 | 0.2688408253467927 | 0.17033715180945444 Transport, Entrepôt et Communication ( 1100 ; 1400 ) | 0.05791286765318963 | 0.030973482175309246 | 0.04881320057893018 | 0.007810736621288958 | 0.05738948973576613 | 0.006626930149122597 | 0 | 0.04350025158765728 | 0.11422288690253454 | 0.0373186615225831 Bâtiments et Travaux Publics ( 600 ) | 0 | 0.12912896983670186 | 0.08176943435924895 | 0.11227373694492272 | 0.0292654969517192 | 0.05698455691336769 | 0 | 0 | 0.143346743635976 | 0.059888809048870506 Électricité, Gaz et Eau ( 300 à 500 ) | 0.22171562012095364 | 0.003930913687914266 | 0.23631146359790497 | 0.05323339252925341 | 0.11690278870917023 | 0.018939071508902252 | 0 | 0.0009588976824915731 | 0 | 0.09217915497088901 Agriculture, Sylviculture et Pêche ( 100 ) | 0 | 0 | 0 | 0.00011618057241372666 | 0.004843429943294741 | 0 | 0 | 0 | 0 | 0.0015613145862421744 Total | 1 | 1 | 1 | 0.9999999999999999 | 1.0000000000000002 | 0.9999999999999998 | 1 | 0.9999999999999998 | 1 | 0.9999999999999998 [Secteur d'activité déc. 13 ] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DÉCEMBRE 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2337.11 | 105841.22 | 0 | 0 | 0 | 0 | 108178.33 200 | Industrie alimentaire | 138568 | 21966.42 | 4225.95 | 296603.87 | 1086374.63 | 199451.56 | 0 | 363000.18 | 154449 | 2264639.61 210 | Industrie des boissons | 3840 | 0 | 9464.22 | 664886.27 | 1037245.67 | 110000.66 | 0 | 318271.72 | 77729 | 2221437.54 220 | Industrie du bois | 6723 | 0 | 10206.39 | 2975.48 | 0 | 0.13 | 0 | 0 | 0 | 19905 230 | Industrie chimique | 0 | 0 | 0 | 553729.18 | 90063.31 | 67416.02 | 0 | 0 | 0 | 711208.51 240 | Industrie du textile | 218286 | 0 | 0 | 589336.61 | 252938.44 | 65250.35 | 0 | 0 | 6510 | 1132321.4000000001 250 | Industrie pharmacie | 0 | 0 | 9102.35 | 0 | 61120.48 | 215.11 | 0 | 0 | 0 | 70437.94 260 | Imprimerie, édition | 13011 | 0 | 0 | 146228.9 | 53376.12 | 33209.67 | 0 | 0 | 4272 | 250097.69 270 | Sidérurgie, aciérie | 458554 | 23.68 | 17301.04 | 653387.58 | 47117.08 | 64975 | 0 | 168770.61 | 35731 | 1445859.9899999998 280 | Industrie de la fabrication | 75439 | 3293.31 | 0 | 664199.83 | 542140.56 | 88983.02 | 0 | 0 | 8484 | 1382539.72 290 | Autres industries | 0 | 0 | 0 | 49296.57 | 109349.41 | 43625.74 | 0 | 0 | 1289 | 203560.72 300 | Production et distribution de l'électricité | 2553161 | 0 | 389577.04 | 871975.87 | 90644.01 | 2166.29 | 0 | 66754.06 | 0 | 3974278.27 400 | Production et distribution de gaz | 0 | 8155.65 | 753.51 | 0 | 1736492.91 | 92211.32 | 0 | 1635.41 | 0 | 1839248.7999999998 500 | Traitement et distribution de l'eau | 0 | 5647.77 | 0 | 267259.81 | 59555.34 | 0.001 | 0 | 0 | 0 | 332462.92100000003 600 | Entrep/ batiment et corps/ métiers corresp. | 30949 | 172905.3 | 174540.89 | 1835512.96 | 883789.31 | 305966.39 | 0 | 0 | 438017 | 3841680.85 700 | Commerce de gros(1) | 964590 | 130518.81 | 151178.41 | 4121138.55 | 3050500.63 | 478462.32 | 0 | 449593.94 | 41247 | 9387229.659999998 800 | Commerce de détail(2) | 292858 | 422577.28 | 89004.88 | 2375882.06 | 2986472.21 | 569487.22 | 0 | 200621.13 | 14434 | 6951336.779999999 900 | Rest/débits/boissons, casinos/activités/loterie | 1497 | 2528.58 | 4596.03 | 11461.33 | 18938.12 | 14603.17 | 0 | 0 | 7020 | 60644.229999999996 1000 | Hotels,motels et pensions | 103193 | 0 | 5543.13 | 1021737.87 | 87527.57 | 556356.58 | 0 | 0 | 0 | 1774358.15 1100 | Transport | 38735 | 48275.11 | 55227.54 | 29793.11 | 385926.99 | 37218.26 | 0 | 4996.96 | 0 | 600172.97 1200 | Immobilier résidentiel / Avance Hypothécaire | 794273 | 195138.11 | 60240.26 | 185987.61 | 844864.93 | 626782.63 | 1538922.2 | 0 | 827601 | 5073809.74 1300 | Immobilier commercial | 414904 | 114267.17 | 109404.51 | 902493.58 | 3793965.71 | 4060.81 | 981326.08 | 12336.45 | 35442 | 6368200.31 1400 | Télécommunications | 564784 | 0 | 7402.01 | 126107.51 | 925022.03 | 4382.9 | 0 | 55945.02 | 359574 | 2043217.47 1500 | Services financiers | 7763 | 0 | 0 | 1751489.13 | 1486354.83 | 701446.12 | 0 | 17400.04 | 327984 | 4292437.12 1510 | Services professionnels | 343027 | 22641.24 | 35146.64 | 57627.63 | 207532.01 | 150079.82 | 0 | 0 | 26669 | 842723.3400000001 1520 | Services médicaux | 297588 | 1362.41 | 0 | 2682.65 | 40501.36 | 17679.5 | 0 | 0 | 1462 | 361275.92 1530 | Services d'agence ou de représentation | 1431 | 0 | 4323.96 | 119439.65 | 28013.88 | 234.32 | 0 | 464.09 | 783 | 154689.9 1540 | Services d'enseignement | 27316 | 0 | 1715.12 | 143414.84 | 8127.87 | 11158.97 | 0 | 0 | 5165 | 196897.8 1550 | Autres services | 39311 | 38083.63 | 1604.76 | 2076491.11 | 83534.97 | 339705.48 | 0 | 49418.95 | 21365 | 2649514.9000000004 1560 | Crédit à la consommation | 2604337 | 332756.51 | 171784.87 | 2241605.93 | 666480.38 | 260257.66 | 239285.55 | 25582.19 | 601358 | 7143448.090000001 Total | 9994138 | 1520140.9799999997 | 1312343.5100000002 | 21765082.599999994 | 20769811.980000004 | 4845387.021 | 2759533.8299999996 | 1734790.7499999998 | 2996585 | 67697813.671 (1) Commerce de gros Import-export | 6051 | 9156 | 17990.23 | 787478.51 | 1359135.38 | 177673 | 0 | 0 | 24578 | 2382062.12 Produits pétroliers | 428216 | 0 | 0 | 293608.09 | 8607.64 | 13149 | 0 | 0 | 0 | 743580.7300000001 Produits pharmaceutiques | 0 | 0 | 0 | 101070.65 | 82200.3 | 55756 | 0 | 0 | 0 | 239026.95 Produits alimentaires | 466939 | 43794.41 | 46774.6 | 1753837.75 | 693007.09 | 146674 | 0 | 92670.67 | 3637 | 3247334.5199999996 Matériaux de construction | 0 | 0 | 0 | 0 | 725422.96 | 70100 | 0 | 0 | 0 | 795522.96 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 63384 | 77568.42 | 43660.32 | 1185143.55 | 182127.26 | 15109 | 0 | 356923.27 | 13032 | 1936947.82 S-Total | 964590 | 130518.83 | 108425.15 | 4121138.55 | 3050500.63 | 478461 | - | 449593.94 | 41247 | 9344475.1 (2) Commerce de détail Produits pétroliers | 21988 | 6556.48 | 0 | 122447.12 | 79413.5 | 35356 | 0 | 43219.97 | 0 | 308981.06999999995 Produits pharmaceutiques | 0 | 0 | 5794.22 | 8872.96 | 13584.14 | 8027 | 0 | 0 | 2009 | 38287.32 Véhicules automobiles | 18942 | 0 | 0 | 716569.97 | 1187586.97 | 105766 | 0 | 18586.16 | 1220 | 2048671.0999999999 Produits alimentaires | 11453 | 176.88 | 0 | 611977.01 | 578848.81 | 147383 | 0 | 0 | 6312 | 1356150.7000000002 Librairie ,papeterie | 1828 | 1755.28 | 22455.93 | 62313.62 | 21055.09 | 8830 | 0 | 0 | 0 | 118237.92 Appareils électro- ménagers électroni.équip. inform. | 13317 | 0 | 0 | 355502.98 | 164595.63 | 169611 | 0 | 3016.7 | 0 | 706043.3099999999 Matériaux de construction | 0 | 0 | 0 | 0 | 260397.95 | 601 | 0 | 35113.4 | 0 | 296112.35000000003 Autres | 225330 | 414088.64 | 60754.73 | 498198.41 | 680990.12 | 93912 | 0 | 100684.8 | 4893 | 2078851.7 S-Total | 292858 | 422577.28 | 89004.88 | 2375882.0700000003 | 2986472.2100000004 | 569486 | - | 200621.03000000003 | 14434 | 6951335.47 [Secteur d'activité déc. 13 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 31 DÉCEMBRE 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.0001073788711465768 | 0.005095916135491178 | 0 | 0 | 0 | 0 | 0.0015979589906068238 200 | Industrie alimentaire | 0.013864927620571179 | 0.01445025184440459 | 0.0032201553692295082 | 0.01362750950460441 | 0.05230546290193233 | 0.04116318451664916 | - | 0.20924724206651438 | 0.05154167160284123 | 0.033452182385176686 210 | Industrie des boissons | 0.00038422523283148584 | 0 | 0.007211694139440669 | 0.030548299871832336 | 0.04994006065143012 | 0.02270214113408383 | - | 0.18346404025961058 | 0.025939194115968678 | 0.032814021894352646 220 | Industrie du bois | 0.0006726943334182498 | 0 | 0.007777224425028777 | 0.0001367088769973242 | 0 | 0 | - | 0 | 0 | 0.00029402722068300397 230 | Industrie chimique | 0 | 0 | 0 | 0.0254411706206895 | 0.004336260245722262 | 0.013913443798775555 | - | 0 | 0 | 0.010505634841567467 240 | Industrie du textile | 0.021841403430691072 | 0 | 0 | 0.0270771593579893 | 0.012178176684678873 | 0.013466488789688778 | - | 0 | 0.0021724729984298795 | 0.01672611475317197 250 | Industrie pharmacie | 0 | 0 | 0.006935950786238885 | 0 | 0.002942755575199963 | 0 | - | 0 | 0 | 0.0010404758467136997 260 | Imprimerie, édition | 0.0013018631521798077 | 0 | 0 | 0.006718508846826064 | 0.0025698894169768017 | 0.006853873561816354 | - | 0 | 0.001425622833992695 | 0.0036943244757568204 270 | Sidérurgie, aciérie | 0.04588229620203363 | 0 | 0.013183316615022539 | 0.03001999082695878 | 0.0022685366649139974 | 0.013409661543731617 | - | 0.09728585998051927 | 0.01192390671380922 | 0.021357558118887506 280 | Industrie de la fabrication | 0.007548324828014182 | 0.0021664503775169594 | 0 | 0.030516761282587557 | 0.026102333546497512 | 0.018364481436538693 | - | 0 | 0.002831222875373133 | 0.02042222111808382 290 | Autres industries | 0 | 0 | 0 | 0.002264938337518646 | 0.005264824260580523 | 0.009003561492802372 | - | 0 | 0.0004301563279533202 | 0.003006902423603676 300 | Production et distribution de l'électricité | 0.25546585408366385 | 0 | 0.2968559961865472 | 0.040063062751712245 | 0.004364219092945298 | 0.00044708296584179094 | - | 0.038479603375796194 | 0 | 0.05870615392860875 400 | Production et distribution de gaz | 0 | 0.0053650616010628175 | 0.0005741713158622622 | 0 | 0.08360657822382461 | 0.0190307440046284 | - | 0.0009427131197235173 | 0 | 0.02716851106800051 500 | Traitement et distribution de l'eau | 0 | 0.003715293564416638 | 0 | 0.01227929224582865 | 0.002867399091399959 | 0 | - | 0 | 0 | 0.004910984608981819 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0030967152945056394 | 0.1137429371846814 | 0.13299939281903408 | 0.08433291955436918 | 0.0425516278554198 | 0.0631459135614835 | - | 0 | 0.14617205919404921 | 0.0567474877205034 700 | Commerce de gros(1) | 0.09651557743149033 | 0.08585967467306882 | 0.11519728550339688 | 0.18934633172492535 | 0.14687184616487794 | 0.09874594494234107 | - | 0.25916321031801676 | 0.013764668781296042 | 0.1386637049406109 800 | Commerce de détail(2) | 0.029302977405355018 | 0.27798558525802003 | 0.06782132827402788 | 0.10916025928612835 | 0.14378908258176729 | 0.1175318333771547 | - | 0.11564572269018614 | 0.0048168164760886145 | 0.1026818504624437 900 | Rest/débits/boissons, casinos/activités/loterie | 0.00014978780561164954 | 0.0016633851947074015 | 0.0035021547064304826 | 0.000526592534043496 | 0.0009118098911167897 | 0.0030138294292508696 | - | 0 | 0.0023426667356340634 | 0.0008958078069510599 1000 | Hotels,motels et pensions | 0.0103253527217655 | 0 | 0.004223840753401523 | 0.04694390041046756 | 0.004214172477068326 | 0.11482190743252085 | - | 0 | 0 | 0.026209977158539895 1100 | Transport | 0.00387577197753323 | 0.031756995328157005 | 0.042083143307501854 | 0.0013688489286964622 | 0.018581149909860664 | 0.007681173833729969 | - | 0.0028804396149795016 | 0 | 0.00886547049978216 1200 | Immobilier résidentiel | 0.07947388759290697 | 0.12836842935449316 | 0.04590281396674868 | 0.008545228769313287 | 0.04067754348539846 | 0.1293565668301649 | 0.5576746997154951 | 0 | 0.27618138647827445 | 0.07494791138540843 1300 | Immobilier commercial | 0.041514735938206974 | 0.0751687978308433 | 0.08336575688174812 | 0.041465203536604094 | 0.18266731127144267 | 0.0008380775327957027 | 0.3556129913435416 | 0.0071112034693521405 | 0.011827463596060182 | 0.09406803506163999 1400 | Télécommunications | 0.05651152705716091 | 0 | 0.005640299162221634 | 0.005794028551033389 | 0.044536851411593754 | 0.000904551067026107 | - | 0.03224885767923307 | 0.11999459384599469 | 0.0301814395355468 1500 | Services financiers | 0.0007767553339767772 | 0 | 0 | 0.08047243202284013 | 0.07156322991422669 | 0.14476575698905353 | - | 0.01003005117475984 | 0.10945259353564141 | 0.06340584558403205 1510 | Services professionnels | 0.03432282003710575 | 0.01489417119720041 | 0.026781585562152085 | 0.0026477101446883556 | 0.009992002344548907 | 0.030973752839463846 | - | 0 | 0.008899797602938011 | 0.0124483095435769 1520 | Services médicaux | 0.029776254840587553 | 0.0008962392422313359 | 0 | 0.00012325475851858247 | 0.0019500109119427855 | 0.003648728145631445 | - | 0 | 0.0004878887133186611 | 0.0053365965665559045 1530 | Services d'agence ou de représentation | 0.00014318393442235838 | 0 | 0.0032948385594561286 | 0.005487672718503721 | 0.001348778699921577 | 4.8359398121234204e-05 | - | 0.00026751929591508375 | 0.00026129744358995325 | 0.002285005846005115 1540 | Services d'enseignement | 0.0027332022031314757 | 0 | 0.001306913919207022 | 0.0065892164360543265 | 0.0003913309377969631 | 0.0023030090169550567 | - | 0 | 0.0017236287307051193 | 0.002908480929042852 1550 | Autres services | 0.003933405762457953 | 0.0250526960992789 | 0.0012228200831350929 | 0.09540469697091802 | 0.004021941560204725 | 0.07010904980917107 | - | 0.02848698034618873 | 0.007129782736014496 | 0.03913737765411742 1560 | Crédit à la consommation | 0.2605864557803785 | 0.21889845374736233 | 0.13089931766416857 | 0.10299092225820455 | 0.032088898091219016 | 0.053712460712021216 | 0.08671230894096342 | 0.014746556609204887 | 0.20068110866202693 | 0.10551962763104815 Total | 1 | 0.999984422497445 | 0.9999999999999998 | 1.0000000000000004 | 0.9999999999999999 | 0.9999555781614414 | 1 | 1 | 0.9999999999999998 | 0.9999999999999999 (1) Commerce de gros Import-export | 0.0006054549176727397 | 0.006023125565630104 | 0.013708476372927691 | 0.03618081881297341 | 0.06543802039752503 | 0.03666848473196503 | - | 0 | 0.008202003280400856 | 0.03518669201898338 Produits pétroliers | 0.04284671674535613 | 0 | 0 | 0.01348986794104793 | 0.0004144303284155198 | 0.0027137151156371997 | - | 0 | 0 | 0.01098382192390551 Produits pharmaceutiques | 0 | 0 | 0 | 0.004643706245341795 | 0.003957681469584492 | 0.01150702714940054 | - | 0 | 0 | 0.003530792754425288 Produits alimentaires | 0.04672128801903676 | 0.02880943976656692 | 0.03564204009360323 | 0.08058033972267123 | 0.03336607431339876 | 0.030270853363067198 | - | 0.05341893251390694 | 0.0012137149455129757 | 0.04796808558370141 Matériaux de construction | 0 | 0 | 0 | 0 | 0.034926794748962375 | 0.01446736859123642 | - | 0 | 0 | 0.011751087913504975 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 Autres | 0.006342117749424713 | 0.051027122497546255 | 0.0332689723897061 | 0.054451599002891 | 0.008768844906991785 | 0.0031182235669756217 | - | 0.20574427780410984 | 0.00434895055538221 | 0.028611674660768825 S-Total | 0.09651557743149035 | 0.08585968782974328 | 0.08261948885623702 | 0.18934633172492538 | 0.14687184616487794 | 0.09874567251828201 | - | 0.25916321031801676 | 0.013764668781296042 | 0.13803215485528939 (2) Commerce de détail Produits pétroliers | 0.002200089692577789 | 0.0043130736466298015 | 0 | 0.005625851380871857 | 0.003823505965122366 | 0.007296837145674107 | - | 0.024913650248596268 | 0 | 0.004564121841535327 Produits pharmaceutiques | 0 | 0 | 0.004415170232373077 | 0.0004076694843326715 | 0.0006540328825836582 | 0.0016566272137211804 | - | 0 | 0.0006704298393004036 | 0.0005655621344888616 Véhicules automobiles | 0.0018953110313265637 | 0 | 0 | 0.03292291525693544 | 0.05717851327414856 | 0.021828184114418135 | - | 0.010713776286851889 | 0.0004071301164492247 | 0.030261997971695175 Produits alimentaires | 0.0011459717686507832 | 0.00011635762888255273 | 0 | 0.028117375947840428 | 0.027869718346867765 | 0.030417178103882985 | - | 0 | 0.0021063977828094313 | 0.020032415028802326 Librairie ,papeterie | 0.00018290722021248857 | 0.0011546823768937538 | 0.0171113201908546 | 0.002863008661405219 | 0.0010137352240008094 | 0.0018223518496521768 | - | 0 | 0 | 0.0017465544836442787 Appareils électro- ménagers électroni.équip. inform. | 0.0013324811004210668 | 0 | 0 | 0.016333637989501593 | 0.007924753009728495 | 0.03500463415304138 | - | 0.0017389417138637614 | 0 | 0.010429336956600279 Matériaux de construction | 0 | 0 | 0 | 0 | 0.012537328226694903 | 0.00012403549961958758 | - | 0.020240712028237413 | 0 | 0.004374031212278971 Autres | 0.022546216592166327 | 0.2724014716056139 | 0.0462948378508002 | 0.02288980102469265 | 0.03278749565262073 | 0.01938173351127239 | - | 0.05803858476879705 | 0.0016328587375295544 | 0.03070781148269972 S-Total | 0.02930297740535502 | 0.27798558525802003 | 0.06782132827402787 | 0.10916025974557986 | 0.14378908258176729 | 0.11753158159128194 | - | 0.11564566504634638 | 0.0048168164760886145 | 0.10268183111174493 [Secteur d'activité sept. 13] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN NOMBRE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 2583.17 | 104065.61 | 0 | 0 | 0 | 0 | 106648.78 200 | Industrie alimentaire | 223727 | 22251.14 | 19.41 | 215321.66 | 1040692.7 | 215246.84 | 0 | 300727.12 | 142758 | 2160743.87 210 | Industrie des boissons | 3827 | 0 | 9540.07 | 665004.44 | 1032914.31 | 90512.49 | 0 | 182388.78 | 80292 | 2064479.0899999999 220 | Industrie du bois | 14454 | 0 | 656.88 | 5924.5 | 0 | 0 | 0 | 0 | 0 | 21035.379999999997 230 | Industrie chimique | 0 | 0 | 0 | 459982.92 | 89144.19 | 58668.18 | 0 | 652.77 | 0 | 608448.06 240 | Industrie du textile | 223934 | 0 | 0 | 591490.53 | 259885.86 | 26872.78 | 0 | 0 | 6207 | 1108390.1700000002 250 | Industrie pharmacie | 0 | 0 | 8945.97 | 0 | 58759.42 | 368.16 | 0 | 0 | 0 | 68073.55 260 | Imprimerie, édition | 35094 | 0 | 0 | 267201.37 | 81969.63 | 56244.05 | 0 | 0 | 4488 | 444997.05 270 | Sidérurgie, aciérie | 458981 | 0 | 16078.28 | 693142.16 | 492235.84 | 64975 | 0 | 116469.54 | 20057 | 1861938.82 280 | Industrie de la fabrication | 5318 | 800.87 | 0 | 578525.78 | 532320.65 | 120897.77 | 0 | 0 | 6998 | 1244861.07 290 | Autres industries | 0 | 0 | 0 | 48909.06 | 164985.21 | 337.58 | 0 | 0 | 2227 | 216458.84999999998 300 | Production et distribution de l'électricité | 2998322 | 0 | 527752.35 | 896694.32 | 92435.89 | 1889.41 | 0 | 66070.95 | 0 | 4583164.92 400 | Production et distribution de gaz | 0 | 6633.13 | 1010.76 | 0 | 1725329.26 | 92537.1 | 0 | 2122.4 | 0 | 1827632.65 500 | Traitement et distribution de l'eau | 0 | 4254.39 | 0 | 260645.95 | 77111.96 | 0 | 0 | 0 | 0 | 342012.30000000005 600 | Entrep/ batiment et corps/ métiers corresp. | 30949 | 161344.75 | 173220.41 | 1885338 | 748114.32 | 302024.76 | 0 | 8812.72 | 82490 | 3392293.9600000004 700 | Commerce de gros(1) | 843481 | 135171.94 | 108438.8 | 3907598.75 | 3307179.06 | 503485.65 | 0 | 294341.77 | 51943 | 9151639.97 800 | Commerce de détail(2) | 266107 | 396242.23 | 88838.84 | 2412459.07 | 2906995.2 | 524322.47 | 0 | 206777.18 | 12460 | 6814201.989999999 900 | Rest/débits/boissons, casinos/activités/loterie | 1825 | 2285.21 | 90.73 | 11359.5 | 12669.5 | 13522.6 | 0 | 0 | 6269 | 48021.54 1000 | Hotels,motels et pensions | 105441 | 0 | 0 | 977188.3 | 26080.39 | 556134.46 | 0 | 0 | 0 | 1664844.15 1100 | Transport | 41858 | 47779.83 | 0 | 31112.11 | 323671.74 | 32603.02 | 0 | 4533.55 | 0 | 481558.25 1200 | Immobilier résidentiel / Avance Hypothécaire | 684986 | 168576.75 | 56280.22 | 216655.71 | 822793.33 | 607876.07 | 1464659.47 | 8353.35 | 842300 | 4872480.9 1300 | Immobilier commercial | 415383 | 116285.99 | 74246.99 | 856546.93 | 3570698.53 | 4276.01 | 900844.02 | 0 | 36427 | 5974708.469999999 1400 | Télécommunications | 574045 | 0 | 1405.23 | 126662.51 | 993171.09 | 3997.12 | 0 | 41301.17 | 355418 | 2096000.12 1500 | Services financiers | 4022 | 0 | 5565.44 | 1479071.64 | 1510940.21 | 699492.07 | 0 | 21018.03 | 345522 | 4065631.3899999997 1510 | Services professionnels | 349257 | 25105.81 | 13128.1 | 64321.81 | 212554.79 | 148278.98 | 0 | 1747.4 | 32304 | 846697.89 1520 | Services médicaux | 352853 | 328.4 | 0 | 2036.25 | 41386.83 | 20273.18 | 0 | 0 | 1606 | 418483.66000000003 1530 | Services d'agence ou de représentation | 1391 | 0 | 4493.93 | 118885.84 | 19539.32 | 225.83 | 0 | 6.02 | 793 | 145334.93999999997 1540 | Services d'enseignement | 27889 | 0 | 1517.95 | 134442.64 | 8330.19 | 9930.81 | 0 | 0 | 17343 | 199453.59000000003 1550 | Autres services | 35665 | 37596.64 | 3503.82 | 1960073.99 | 115714.35 | 326676.39 | 0 | 64041.39 | 21518 | 2564789.58 1560 | Crédit à la consommation | 2560247 | 338847.27 | 256841.12 | 2184438.32 | 627139.9 | 261148.73 | 231147.86 | 17347.13 | 586012 | 7063169.330000001 Total | 10259056 | 1463504.3499999999 | 1351575.2999999998 | 21053617.23 | 20998829.28 | 4742817.51 | 2596651.35 | 1336711.2699999998 | 2655432 | 66458194.28999999 (1) Commerce de gros Import-export | 5406 | 12926.66 | 17991.14 | 797425.95 | 1442825.75 | 177806 | 0 | 0 | 23760 | 2478141.5 Produits pétroliers | 480407 | 0 | 0 | 137876.61 | 9870.5 | 6494 | 0 | 0 | 0 | 634648.11 Produits pharmaceutiques | 0 | 0 | 0 | 114622.41 | 82673.82 | 50565 | 0 | 0 | 0 | 247861.23 Produits alimentaires | 295904 | 44182.47 | 46781.81 | 1706738.17 | 744906.74 | 152655 | 0 | 102512.26 | 3842 | 3097522.4499999997 Matériaux de construction | 0 | 0 | 0 | 0 | 787257.43 | 97342 | 0 | 0 | 11309 | 895908.43 Appareils électroménagers électron.,équipe.inform. | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 Autres | 61764 | 78062.81 | 43665.85 | 1150935.61 | 239644.82 | 18624 | 0 | 191829.5 | 13032 | 1797558.59 S-Total | 843481 | 135171.94 | 108438.79999999999 | 3907598.75 | 3307179.06 | 503486 | - | 294341.76 | 51943 | 9151640.309999999 (2) Commerce de détail Produits pétroliers | 21132 | 6698.07 | 6522.86 | 114106.48 | 80269.85 | 34394 | 0 | 14318.44 | 0 | 277441.7 Produits pharmaceutiques | 0 | 0 | 0 | 10937.59 | 10583.34 | 10782 | 0 | 0 | 1498 | 33800.93 Véhicules automobiles | 11023 | 0 | 0 | 794605.21 | 1178256.44 | 123655 | 0 | 34150.35 | 1216 | 2142906 Produits alimentaires | 11317 | 176.88 | 22367.27 | 585274.81 | 503463.4 | 162928 | 0 | 0 | 6352 | 1291879.36 Librairie ,papeterie | 1910 | 1749.72 | 0 | 63817.28 | 22030.57 | 5197 | 0 | 0 | 0 | 94704.57 Appareils électro- ménagers électroni.équip. inform. | 13978 | 0 | 0 | 344909.53 | 93173.89 | 117078 | 0 | 2473.61 | 0 | 571613.03 Matériaux de construction | 0 | 0 | 0 | 0 | 235251.99 | 578 | 0 | 37149.28 | 850 | 273829.27 Autres | 206747 | 387617.56 | 59948.71 | 498807.81 | 783965.72 | 69710 | 0 | 118685.5 | 2544 | 2128026.3 S-Total | 266107 | 396242.23 | 88838.84 | 2412458.71 | 2906995.1999999993 | 524322 | - | 206777.18 | 12460 | 6814201.159999999 [Secteur d'activité sept 13 %] CIRCULAIRE 83-4 - LIMITES RELATIVES À LA CONCENTRATION DES RISQUES DE CRÉDIT RISQUES PAR SECTEUR D'ACTIVITÉ AU 30 SEPTEMBRE 2013 Limite Sous réserve de l'article 18 de la Loi du 28 août 1984 portant sur la création et le fonctionnement des banques d'épargne et de logement, l'ensemble des risques de crédit à l'égard des secteurs d'activité définis dans la circulaire ne peut excéder 25% de l'ensemble des risques de crédit de l'établissement bancaire. Par exception, la limite de 25 % s’applique à chacune des activités comprises dans les secteurs d'activité "commerce de gros" et "commerce de détail" LIMITE SECTORIELLE EN POURCENTAGE DES RISQUES DE CRÉDIT TOTAUX Code Secteur | Secteurs d'activités | BNC | BPH | BUH | SOGEBK | UNIBK | CAPITALBK | SOGEBEL | CBNA | SCOTIA | SYSTÈME 100 | Ressources naturelles | 0 | 0 | 0 | 0.00012269483062127468 | 0.004955781515835058 | 0 | - | 0 | 0 | 0.0016047498903539652 200 | Industrie alimentaire | 0.021807756971011758 | 0.015204013571944628 | 0 | 0.010227300023920877 | 0.04955955811266065 | 0.04538374912088912 | - | 0.2249753755723179 | 0.05376074401453323 | 0.03251282844928467 210 | Industrie des boissons | 0.0003730362715633875 | 0 | 0.007058482054237009 | 0.03158623208236221 | 0.049189137938455585 | 0.019084118208039593 | - | 0.13644590577888974 | 0.030236888009182686 | 0.03106432716169424 220 | Industrie du bois | 0.001408901559753646 | 0 | 0.00048601065734184403 | 0.00028140057526827183 | 0 | 0 | - | 0 | 0 | 0.0003165204866718024 230 | Industrie chimique | 0 | 0 | 0 | 0.02184816580328795 | 0.004245198092300505 | 0.012369900354863116 | - | 0.0004883403130131461 | 0 | 0.009155350465060013 240 | Industrie du textile | 0.021827934266076723 | 0 | 0 | 0.02809448483546882 | 0.0123762070987226 | 0.005665994937258297 | - | 0 | 0.0023374727727917717 | 0.01667800610355705 250 | Industrie pharmacie | 0 | 0 | 0.006618920899190745 | 0 | 0.0027982236160167496 | 7.762474504316318e-05 | - | 0 | 0 | 0.00102430634366849 260 | Imprimerie, édition | 0.0034207825749269717 | 0 | 0 | 0.01269147088032245 | 0.0039035333306924242 | 0.011858784336823452 | - | 0 | 0.0016901204775720108 | 0.006695894385246019 270 | Sidérurgie, aciérie | 0.044739106600061446 | 0 | 0.01189595577841649 | 0.0329227112105144 | 0.02344110871308536 | 0.013699662671608886 | - | 0.08713141170718192 | 0.007553196617348891 | 0.028016692898322808 280 | Industrie de la fabrication | 0.0005183712809443676 | 0.0005472276184214964 | 0 | 0.02747868804110485 | 0.025350015608108224 | 0.025490706683336 | - | 0 | 0.002635352741098247 | 0.01873149102679299 290 | Autres industries | 0 | 0 | 0 | 0.0023230715874471134 | 0.007856876581073856 | 7.117710080310469e-05 | - | 0 | 0.0008386582672800509 | 0.003257067880229341 300 | Production et distribution de l'électricité | 0.29226100335157545 | 0 | 0.3904720291943779 | 0.04259098615710893 | 0.004401954450291145 | 0.0003983729072468572 | - | 0.04942798903760272 | 0 | 0.06896312740609072 400 | Production et distribution de gaz | 0 | 0.0045323609731669065 | 0.0007478384667136194 | 0 | 0.08216311666685448 | 0.019510997377590437 | - | 0.0015877774412719663 | 0 | 0.027500486125531173 500 | Traitement et distribution de l'eau | 0 | 0.002906988284660719 | 0 | 0.012380103008075825 | 0.0036722028152990443 | 0 | - | 0 | 0 | 0.00514627735005227 600 | Entrep/ batiment et corps/ métiers corresp. | 0.0030167492993507395 | 0.11024548714187288 | 0.12816186415954778 | 0.08954936243989081 | 0.03562647755380008 | 0.06368045141167576 | - | 0.0065928373597089526 | 0.031064625266246697 | 0.0510440284488807 700 | Commerce de gros(1) | 0.08221818849609555 | 0.09236183001437612 | 0.08023141588929601 | 0.18560225101993078 | 0.15749349718033423 | 0.10615750003841072 | - | 0.22019846514797475 | 0.019561035643164654 | 0.1377052155534875 800 | Commerce de détail(2) | 0.025938741342283345 | 0.27074892534484096 | 0.06572984871801076 | 0.11458644106830282 | 0.13843606046974824 | 0.1105508421722935 | - | 0.15469098274304222 | 0.004692268527305538 | 0.10253366139117831 900 | Rest/débits/boissons, casinos/activités/loterie | 0.0001778916110800058 | 0.0015614644397879652 | 6.712907523539386e-05 | 0.0005395509890724845 | 0.0006033431593287376 | 0.0028511744277506476 | - | 0 | 0.002360821139460547 | 0.0007225826779230719 1000 | Hotels,motels et pensions | 0.010277846226787337 | 0 | 0 | 0.04641427120692457 | 0.001241992572644983 | 0.11725824551069433 | - | 0 | 0 | 0.025050998869081673 1100 | Transport | 0.004080102496759936 | 0.03264754901480136 | 0 | 0.0014777560387897297 | 0.015413799297291109 | 0.006874188165844062 | - | 0.0033915701182051085 | 0 | 0.007246032714922265 1200 | Immobilier résidentiel | 0.06676891129164321 | 0.11518705086185771 | 0.04164046205934661 | 0.010290664432299076 | 0.039182819148096806 | 0.12816771227615711 | 0.5640570383082041 | 0.0062491804980442794 | 0.3171988587920911 | 0.07331648041381054 1300 | Immobilier commercial | 0.04048939785492934 | 0.07945722197545912 | 0.05493366888252546 | 0.04068407441071351 | 0.17004274297333588 | 0.0009015759073555416 | 0.34692528898806535 | 0 | 0.013717918591023984 | 0.08990175754593166 1400 | Télécommunications | 0.055954953360231194 | 0 | 0.0010396978991847514 | 0.006016187556574096 | 0.04729649814077635 | 0.000842773307548154 | - | 0.030897599898293673 | 0.13384564168843338 | 0.031538625784110215 1500 | Services financiers | 0.0003920438683637169 | 0 | 0.004117743199361516 | 0.07025261378327052 | 0.0719535451168733 | 0.1474845001995449 | - | 0.01572368728513825 | 0.13011894109884944 | 0.06117577273103488 1510 | Services professionnels | 0.03404377556765457 | 0.017154585157194785 | 0.009713184311669502 | 0.0030551429380194918 | 0.010122220966025207 | 0.031263901612777846 | - | 0.0013072381741795298 | 0.01216525220755041 | 0.012740308385528963 1520 | Services médicaux | 0.03439429514762372 | 0.0002243929100723206 | 0 | 9.671734684615048e-05 | 0.0019709113040610425 | 0.004274501381774649 | - | 0 | 0.0006047980140331216 | 0.006296945989442412 1530 | Services d'agence ou de représentation | 0.00013558752384234963 | 0 | 0.003324957181445977 | 0.005646813025107895 | 0.0009304956833288755 | 4.7615156923885104e-05 | - | 0 | 0.0002986331414248228 | 0.0021868626066758575 1540 | Services d'enseignement | 0.0027184762418686476 | 0 | 0.0011230968781391613 | 0.006385726430346051 | 0.00039669782962300457 | 0.002093862978927899 | - | 0 | 0.0065311406957512 | 0.003001188824506054 1550 | Autres services | 0.003476440717352552 | 0.025689462419431826 | 0.0025923971827540803 | 0.09309915576915806 | 0.005510514346159778 | 0.06887812767647475 | - | 0.04790966563781572 | 0.00810338958030181 | 0.038592525833731926 1560 | Crédit à la consommation | 0.24955970607822006 | 0.23153144027211128 | 0.1900309364931425 | 0.10375596250925095 | 0.029865469719176647 | 0.055061939332344254 | 0.08901767270373051 | 0.012977469696952584 | 0.22068424271455642 | 0.10627988625719854 Total | 1 | 1 | 0.9999856389799372 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 0.9999954964096326 | 1 | 1.0000000000000004 (1) Commerce de gros Import-export | 0.0005269490682183624 | 0.008832676172093374 | 0.01331123763507664 | 0.037875959332238696 | 0.06870981856946645 | 0.03748953014217914 | - | - | 0.008947696645969469 | 0.03728872754481215 Produits pétroliers | 0.04682760285156841 | - | - | 0.006548832368982895 | 0.00047005001414059783 | 0.0013692283091870428 | - | - | - | 0.00954958401714348 Produits pharmaceutiques | - | - | - | 0.005444309581000205 | 0.003937068057348386 | 0.010661384270718019 | - | - | - | 0.0037295811697564563 Produits alimentaires | 0.02884319960822906 | 0.03018950370731731 | 0.03461280329701202 | 0.08106626768002659 | 0.03547372713342046 | 0.032186564142123196 | - | 0.07668990476903813 | 0.0014468455603457366 | 0.04660858578979005 Matériaux de construction | - | 0 | - | - | 0.03749053909161549 | 0.020524087168599495 | - | - | - | 0.013480782009974171 Appareils électroménagers électron.,équipe.inform. | - | - | - | - | - | - | - | - | - | - Autres | 0.006020436968079714 | - | 0.03230737495720735 | 0.0546668820576824 | 0.011412294314342842 | 0.0039267798014012145 | - | 0.1435085528978895 | 0.004907676039152951 | 0.027047960138009346 S-Total | 0.08221818849609555 | 0.03902217987941068 | 0.080231415889296 | 0.18560225101993078 | 0.15749349718033423 | 0.1061575738342081 | - | 0.22019845766692764 | 0.015302218245468157 | 0.13770522066948565 (2) Commerce de détail Produits pétroliers | 0.0020598386440233876 | 0.00457673391951312 | 0.00482611660630377 | 0.005419804053310415 | 0.0038225869132833866 | 0.0072518075864150214 | - | - | - | 0.0041746800821783215 Produits pharmaceutiques | - | - | - | 0.0005195112023037383 | 0.0005039966685228463 | 0.0022733322497158447 | - | - | 0.0005641266656423512 | 0.0005086043995192637 Véhicules automobiles | 0.0010744653309232351 | 0 | - | 0.037741980454918715 | 0.05611057760835322 | 0.026072055215972247 | - | 0.025548037759867172 | 0.00045792925595533986 | 0.03224442106640933 Produits alimentaires | 0.0011031229384068086 | 0.00012086059054077975 | 0.016549037260447128 | 0.02779925195780716 | 0.023975784234767587 | 0.03435257621792832 | - | 0 | 0.0023920778238719726 | 0.019438977748367593 Librairie ,papeterie | 0.00018617697378784168 | 0.0011955687046642535 | - | 0.003031178884978712 | 0.0010491332495846644 | 0.0010957621685933263 | - | - | - | 0.0014250247243664618 Appareils électro- ménagers électroni.équip. inform. | 0.001362503528589765 | - | - | 0.016382435675164026 | 0.00443709926670731 | 0.024685326760548288 | - | 0.0018505192972600587 | - | 0.008601091800744443 Matériaux de construction | - | - | - | - | 0.011203100271121398 | 0.00012186848825224988 | - | 0.02779155142456456 | 0.0003200985752977293 | 0.004120323654974828 Autres | 0.020152633926552307 | 0.26485576213012285 | 0.04435469485125987 | 0.023692261740620616 | 0.03733378225740783 | 0.014698014387654565 | - | 0.08878918182533167 | 0.0009580362065381452 | 0.032020525425563745 S-Total | 0.025938741342283345 | 0.270748925344841 | 0.06572984871801077 | 0.11458642396910337 | 0.1384360604697482 | 0.11055074307507987 | - | 0.14397929030702347 | 0.004692268527305538 | 0.10253364890212399 [classifiprêts] CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS QUALITÉ DU PORTEFEUILLE AU 30 SEPTEMBRE 2019 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Classement du Portefeuille Courant | 15173124.01 | 252837 | 13231463.53 | 10927096.96 | 16583081 | 34820211.38 | 2435762.13 | 610584 | 0 | 94034160.00999999 A signaler | 1733624.04 | 18322 | 1728882 | 649075.78 | 12658485 | 2339308.47 | 1569669.31 | 0 | 0 | 20697366.599999998 Restructurés | 0 | 0 | 0 | 0 | 0 | 606165.25 | 176423.37 | 0 | 0 | 782588.62 Faible | 536536.03 | 223099 | 161579.85 | 21960.03 | 2165781 | 1011172.01 | 428564.78 | 0 | 0 | 4548692.7 Douteux | 3703037.52 | 28337 | 181411.62 | 5125.48 | 1851142 | 447164.69 | 64346.97 | 0 | 0 | 6280565.28 Perte | 1132620.95 | 856439 | 9045 | 2195.28 | 112926 | 27538.23 | 180797.84 | 0 | 0 | 2321562.3 TOTAL | 22278942.55 | 1379034 | 15312381.999999998 | 11605453.53 | 33371415 | 39251560.029999994 | 4855564.399999999 | 610584 | 0 | 128664935.50999999 Provisions spécifiques | 2639077 | 799928 | 188502 | 76083 | 1218126 | 339798.83 | 173729.11921 | 0 | 0 | 5435243.94921 Provisions générales | 189665 | 3367 | 165439 | 143986 | 240041 | 435252.64 | 31754.24519 | 7632 | 0 | 1217136.88519 TOTAL 1 | 2828742 | 803295 | 353941 | 220069 | 1458167 | 775051.47 | 205483.36440000002 | 7632 | 0 | 6652380.8344 Portefeuille de Prêts Net | 19450200.55 | 575739 | 14958440.999999998 | 11385384.53 | 31913248 | 38476508.559999995 | 4650081.035599999 | 602952 | 0 | 122012554.67559999 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | SCOTIA | TOTAL PORTEFEUILLE PRÊTS BRUTS Classement du Portefeuille Courant | 0.681052252634854 | 0.18334355788182163 | 0.8641022363470295 | 0.941548465275704 | 0.4969247183555147 | 0.8871038846197933 | 0.5016434608508128 | 1 | #DIV/0! | 0.7308452737124447 A signaler | 0.07781446700664885 | 0.013286111872513658 | 0.11290744967046931 | 0.0559285148419357 | 0.37932119450134194 | 0.05959784702090987 | 0.3232722667626446 | 0 | #DIV/0! | 0.16086252651478128 Restructurés | 0 | 0 | 0 | 0 | 0 | 0.015443086836210013 | 0.03633426631103894 | 0 | #DIV/0! | 0.00608237680995205 Faible | 0.024082652432711623 | 0.16177918746020764 | 0.010552234786201129 | 0.0018922164431776412 | 0.06489928581092531 | 0.025761320294713397 | 0.08826260856513407 | 0 | #DIV/0! | 0.03535300959791388 Douteux | 0.1662124453029751 | 0.020548441880330726 | 0.011847380766754645 | 0.00044164409316281155 | 0.055470887284821455 | 0.011392278158071468 | 0.013252212245398291 | 0 | #DIV/0! | 0.048813340286576114 Perte | 0.05083818262281034 | 0.6210427009051264 | 0.000590698429545449 | 0.00018915934601997414 | 0.003383914047396552 | 0.000701583070302238 | 0.037235185264971465 | 0 | #DIV/0! | 0.01804347307833194 TOTAL | 0.9999999999999999 | 1 | 1 | 1.0000000000000002 | 1 | 1.0000000000000002 | 1 | 1 | #DIV/0! | 1 Provisions spécifiques | 0.11845611586264447 | 0.5800640158255707 | 0.012310429559555138 | 0.006555797220963928 | 0.03650207820075954 | 0.008656950952784846 | 0.035779387296356324 | 0 | #DIV/0! | 0.04224339698819937 Provisions générales | 0.008513195793487065 | 0.002441564167380935 | 0.010804262850809236 | 0.012406753396392257 | 0.0071930123430486844 | 0.011088798500424853 | 0.006539763985006564 | 0.012499508667112141 | #DIV/0! | 0.009459740374217207 TOTAL | 0.12696931165613154 | 0.5825055799929516 | 0.023114692410364374 | 0.018962550617356185 | 0.04369509054380823 | 0.0197457494532097 | 0.04231915128136289 | 0.012499508667112141 | #DIV/0! | 0.05170313736241658 Portefeuille de Prêts Net | 0.8730306883438683 | 0.4174944200070484 | 0.9768853075896357 | 0.981037449382644 | 0.9563049094561917 | 0.9802542505467905 | 0.9576808487186371 | 0.9875004913328879 | #DIV/0! | 0.9482968626375834 1 Tel que soumis au formulaire transmis à la BRH, un écart existe par rapport au chiffre définitif soumis dans le Bilan transmis à la BRH à la même date. REVENUS REPORTÉS | 0 ACCEPTATIONS EN CIRCULATION | 0 CAPITAL | 0 Capital autorisé | 0 Moins actions non émises | 0 Capital versé | 0 Profits non distribués | 0 Profits et pertes | 0 RESERVES | 0 Réserve légale | 0 Autres réserves | 0 TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0 [classifiprêts (2)] CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS TYPE DE PRETS AU 30 SEPTEMBRE 2018 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 11709765.63772 | 999461 | 7707218 | 7990032.570350001 | 25697207 | 26895108.9 | 991558.73748 | 553285 | 82543636.84555 Prêts à la Consommation | 2808545.37396 | 26891 | 1535338 | 396399.1106 | 2839411 | 2830292.21 | 192368.93592 | 306 | 10629551.630479999 Prêts au Logement | 1986665.53936 | 283430 | 2013916 | 918157.76102 | 449556 | 2638934.2 | 3096270.77654 | 0 | 11386930.27692 TOTAL | 16504976.55104 | 1309782 | 11256472 | 9304589.44197 | 28986174 | 32364335.31 | 4280198.44994 | 553591 | 104560118.75295 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | TOTAL PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 0.7094687836428434 | 0.7630743131299712 | 0.6846921486590114 | 0.8587195190267657 | 0.886533248575683 | 0.8310106987332408 | 0.2316618607938377 | 0.9994472453490032 | 0.7894370992498625 Prêts à la Consommation | 0.1701635482652673 | 0.020530897508134943 | 0.1363960217730742 | 0.04260253642272184 | 0.09795742618532546 | 0.08745096053696769 | 0.044943929158868 | 0.0005527546509968551 | 0.10165971268256715 Prêts au Logement | 0.1203676680918894 | 0.21639478936189382 | 0.17891182956791435 | 0.09867794455051253 | 0.015509325238991527 | 0.08153834072979144 | 0.7233942100472944 | 0 | 0.10890318806757032 TOTAL | 1.0000000000000002 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 REVENUS REPORTÉS | 0 ACCEPTATIONS EN CIRCULATION | 0 CAPITAL | 0 Capital autorisé | 0 Moins actions non émises | 0 Capital versé | 0 Profits non distribués | 0 Profits et pertes | 0 RESERVES | 0 Réserve légale | 0 Autres réserves | 0 TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0 [classifiprêts (5)] CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS TYPE DE PRETS AU 30 SEPTEMBRE 2019 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 16932730.44452 | 1098033 | 11480175 | 10070095.266819999 | 29845403 | 33993003.65 | 1320535.22162 | 610584 | 105350559.58295998 Prêts à la Consommation | 3272516.66902 | 25896 | 1566199 | 434269.84787 | 3068786 | 2349998.29 | 79259.31258 | 0 | 10796925.11947 Prêts au Logement | 2073695.43736 | 255105 | 2266008 | 1101088.5214 | 457226 | 2908558.09 | 3455769.86766 | 0 | 12517450.916420002 TOTAL | 22278942.5509 | 1379034 | 15312382 | 11605453.63609 | 33371415 | 39251560.03 | 4855564.40186 | 610584 | 128664935.61885 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | TOTAL PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 0.7600329506588709 | 0.796233450371782 | 0.749731491808394 | 0.8677037178025142 | 0.8943403508661529 | 0.8660293660689948 | 0.2719632801315844 | 1 | 0.8187977484016683 Prêts à la Consommation | 0.14688833015944916 | 0.018778362244875762 | 0.10228317188011636 | 0.037419463425327176 | 0.09195852198655646 | 0.05987018829834774 | 0.016323398480645932 | 0 | 0.0839150547702773 Prêts au Logement | 0.09307871918167988 | 0.18498818738334225 | 0.1479853363114896 | 0.0948768187721586 | 0.013701127147290578 | 0.07410044563265732 | 0.7117133213877698 | 0 | 0.09728719682805437 TOTAL | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1 REVENUS REPORTÉS | 0 ACCEPTATIONS EN CIRCULATION | 0 CAPITAL | 0 Capital autorisé | 0 Moins actions non émises | 0 Capital versé | 0 Profits non distribués | 0 Profits et pertes | 0 RESERVES | 0 Réserve légale | 0 Autres réserves | 0 TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0 [classifiprêts ] CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS QUALITÉ DU PORTEFEUILLE AU 30 SEPTEMBRE 2014 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Classement du Portefeuille Courant | 8793982.69 | 620397 | 2573916 | 5242601.36 | 12812969.49 | 19612204.26 | 2401486.31 | 1520241 | 1863998 | 55441796.11 A signaler | 781905.91 | 173929 | 97047 | 174026.28 | 4688561.58 | 4122544.28 | 822149.69 | 20000 | 163724 | 11043887.74 Restructurés | 0 | 0 | 0 | 0 | 372881.96 | 0 | 22099.24 | 0 | 0 | 394981.2 Faible | 83919.21 | 33997 | 29155 | 12077.12 | 569900.34 | 230488.44 | 35609.31 | 47179 | 39547 | 1081872.42 Douteux | 377908.78 | 240574 | 16680 | 23506.04 | 523594.56 | 75889.09 | 146694.95 | 504 | 16411 | 1421762.4200000002 Perte | 104950.75 | 325065 | 22153 | 20131.39 | 332287.7 | 70604.76 | 51394.33 | 0 | 86502 | 1013088.93 TOTAL | 10142667.34 | 1393962 | 2738951 | 5472342.19 | 19300195.63 | 24111730.830000006 | 3479433.8300000005 | 1587924 | 2170182 | 70397388.82 Provisions spécifiques | 212137 | 380075 | 26409 | 43482 | 672585.86421 | 194740.18 | 57031.14457 | 9820 | 78189.8 | 1674469.98878 Provisions générales | 109924 | 7755 | 32174 | 68029 | 189072.26386 | 245132.56 | 33648.94897 | 19003 | 23300 | 728038.77283 TOTAL 1 | 322061 | 387830 | 58583 | 111511 | 861658.1280700001 | 439872.74 | 90680.09354 | 28823 | 101489.8 | 2402508.7616099995 Portefeuille de Prêts Net | 9820606.34 | 1006132 | 2680368 | 5360831.19 | 18438537.50193 | 23671858.090000007 | 3388753.7364600007 | 1559101 | 2068692.2 | 67994880.05839 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | SCOTIA | TOTAL PORTEFEUILLE PRÊTS BRUTS Classement du Portefeuille Courant | 0.8670286025569286 | 0.4450601953281366 | 0.939745179815192 | 0.9580178245395872 | 0.66387770029044 | 0.8133884870512217 | 0.6901945624871962 | 0.9573764235567949 | 0.8589132155736247 | 0.7875547238230647 A signaler | 0.0770907576665134 | 0.12477312867926098 | 0.03543217823173909 | 0.03180105957518713 | 0.24292818942789132 | 0.17097670462008882 | 0.23628835326924433 | 0.012595061224592613 | 0.07544252048906497 | 0.1568792241462004 Restructurés | 0 | 0 | 0 | 0 | 0.01932011297441963 | 0 | 0.006351389645481488 | 0 | 0 | 0.005610736514814954 Faible | 0.008273879758339783 | 0.024388756651902994 | 0.010644586193765423 | 0.0022069380131362 | 0.02952821571995641 | 0.00955918269099224 | 0.010234225376833791 | 0.029711119675752743 | 0.018222895591245344 | 0.015368075977452142 Douteux | 0.037259309344557484 | 0.17258289680780395 | 0.006089922747796511 | 0.004295425831183265 | 0.027128976826853026 | 0.0031473928825374157 | 0.04216058047581839 | 0.00031739554285973383 | 0.007562038575566473 | 0.020196238011545048 Perte | 0.010347450673660762 | 0.23319502253289545 | 0.00808813301150696 | 0.003678752040906272 | 0.017216804760439623 | 0.0029282327551596998 | 0.014770888745425573 | 0 | 0.03985932977049851 | 0.01439100152692283 TOTAL | 1 | 1 | 1 | 1 | 1 | 0.9999999999999999 | 0.9999999999999999 | 1 | 1 | 1 Provisions spécifiques | 0.02091530688021165 | 0.2726580781972536 | 0.0096420125807289 | 0.007945775042989408 | 0.03484865527293104 | 0.008076574069817615 | 0.016390926615207392 | 0.006184175061274973 | 0.03602914409943498 | 0.023785967304291274 Provisions générales | 0.010837780271713024 | 0.005563279343339345 | 0.011746833002854012 | 0.01243142289681998 | 0.009796391056581224 | 0.010166526896319037 | 0.009670811578560755 | 0.011967197422546672 | 0.010736426714441461 | 0.01034184342677158 TOTAL | 0.031753087151924674 | 0.2782213575405929 | 0.02138884558358291 | 0.02037719793980939 | 0.04464504632951226 | 0.01824310096613665 | 0.02606173819376815 | 0.018151372483821645 | 0.046765570813876445 | 0.03412781073106286 Portefeuille de Prêts Net | 0.9682469128480753 | 0.721778642459407 | 0.9786111544164171 | 0.9796228020601906 | 0.9553549536704877 | 0.9817568990338632 | 0.9739382618062318 | 0.9818486275161784 | 0.9532344291861236 | 0.9658721892689371 1 Tel que soumis au formulaire transmis à la BRH, un écart existe par rapport au chiffre définitif soumis dans le Bilan transmis à la BRH à la même date. REVENUS REPORTÉS | 0 ACCEPTATIONS EN CIRCULATION | 0 CAPITAL | 0 Capital autorisé | 0 Moins actions non émises | 0 Capital versé | 0 Profits non distribués | 0 Profits et pertes | 0 RESERVES | 0 Réserve légale | 0 Autres réserves | 0 TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0 [classifiprêts (4)] CIRCULAIRE 87 - CLASSIFICATION DES PRÊTS TYPE DE PRETS AU 30 Septembre 2017 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOGEBL | CBNA | SCOTIA | SYSTÈME PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 9790933.92852 | 979685 | 5498981 | 5893131.915440001 | 20529064.645 | 25084793.99 | 1076516.94092 | 587416.08 | 0 | 69440523.49987999 Prêts à la Consommation | 2889189.07423 | 49690 | 1366380 | 1049226.73957 | 2641336.893 | 1726360.7 | 116907.90899 | 2079.31 | 0 | 9841170.62579 Prêts au Logement | 1708159.42971 | 292818 | 1709311 | 791483.50751 | 245336.479 | 2571857.71 | 2935827.81986 | 0 | 0 | 10254793.94608 TOTAL | 14388282.43246 | 1322193 | 8574672 | 7733842.162520001 | 23415738.016999997 | 29383012.4 | 4129252.66977 | 589495.39 | 0 | 89536488.07175 (En pourcentage) BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBNK | SOGEBL | CBNA | SCOTIA | TOTAL PORTEFEUILLE PRÊTS BRUTS Type de Prêts accordés Prêts Commerciaux | 0.6804796871676377 | 0.740954611013672 | 0.6413051134783931 | 0.7619927833541121 | 0.8767208033373003 | 0.8537175715176161 | 0.2607050299443076 | 0.9964727289894497 | #DIV/0! | 0.7755555862793487 Prêts à la Consommation | 0.20080152636648155 | 0.03758150285170168 | 0.15935070169447882 | 0.13566694503474572 | 0.11280177849113149 | 0.05875370014818494 | 0.02831212288021885 | 0.0035272710105502267 | #DIV/0! | 0.1099124037331438 Prêts au Logement | 0.1187187864658806 | 0.22146388613462634 | 0.19934418482712807 | 0.10234027161114218 | 0.010477418171568366 | 0.08752872833419899 | 0.7109828471754736 | 0 | #DIV/0! | 0.1145320099875073 TOTAL | 0.9999999999999999 | 1 | 1 | 1 | 1.0000000000000002 | 1 | 1 | 1 | #DIV/0! | 0.9999999999999999 REVENUS REPORTÉS | 0 ACCEPTATIONS EN CIRCULATION | 0 CAPITAL | 0 Capital autorisé | 0 Moins actions non émises | 0 Capital versé | 0 Profits non distribués | 0 Profits et pertes | 0 RESERVES | 0 Réserve légale | 0 Autres réserves | 0 TOTAL DU PASSIF | 0 | 0 | 0 | 0 | 0 | 0 | 0 [suffondspropres] CIRCULAIRE 88 - SUFFISANCE DES FONDS PROPRES AU 30 SEPTEMBRE 2019 BNC | BPH | BUH | CAPITALBK | SOGEBK | UNIBK | SOUS-TOTAL | SOGEBL | SOUS-TOTAL | CBNA | SCOTIA | SOUS-TOTAL | SYSTÈME Actif bilan et hors bilan net des déductions | 82062.54980864 | 4815.02415705 | 28884.855 | 30740.737 | 114595.488614 | 134527.14334895 | 395625.79792864004 | 8388.00762544 | 8388.00762544 | 6982.282 | 6982.282 | 410996.08755408006 Actif pondéré en fonction des risques | 21963.73780861 | 952.53359856 | 12397.244 | 13388.867 | 42166.043369 | 55821.99739611 | 146690.42317228 | 4604.56183381 | 4604.56183381 | 1417.442 | 1417.442 | 152712.42700609 Fonds propres réglementaires | 6427.6813699 | -43.30694893 | 2925.143 | 3989.303 | 6399.804233 | 13137.84212976 | 32836.46678373 | 573.75750102 | 573.75750102 | 655.443 | 655.443 | 34065.66728475 Ratio actif / fonds propres | 12.767053169892382 | -111.18363856185887 | 9.87468134036524 | 7.7057914628194455 | 17.906092818136365 | 10.239668129686036 | 12.04836685184007 | 14.619430004014207 | 14.619430004014207 | 10.65276767011014 | #DIV/0! | 10.65276767011014 | 12.064818343895132 Ratio fonds propres sur actif à risques | 0.2926497040672324 | -0.04546500931355032 | 0.2359510710606325 | 0.2979567277798786 | 0.15177625695146593 | 0.23535241916434044 | 0.2238487426351299 | 0.12460631906537996 | 0.12460631906537996 | 0.462412571378582 | #DIV/0! | 0.462412571378582 | 0.22307069537563895 0 | 0 | 0 [pageint.annexe] ANNEXE 1 INFORMATION SUR LE CALCUL DES RATIOS FINANCIERS CLÉS [explication1] RATIOS FINANCIERS STRUCTURE FINANCIÈRE Avoir des actionnaires | Avoir des actionnaires x 100% en % de l'actif | Actif total Dépôts en % de l'actif | Dépôts totaux x 100% Actif total QUALITÉ DE L'ACTIF Prêts improductifs bruts | Prêts improductifs x 100% en % des prêts bruts | Prêts bruts Provision pour créances douteuses | Provision pour créances douteuses x 100% en % des prêts improductifs bruts | Prêts improductifs bruts Prêts improductifs nets | Prêts improductifs nets x 100% en % de l'avoir des actionnaires | Avoir des actionnaires [explication2] RENTABILITÉ ROA (rendement de l'actif) | Bénéfice net de la période 1 x 100% 2 (Actif de la fin de la période + actif total du début de la période)/2 ROE ( rendement de l'avoir | Bénéfice net de la période x 100% 2 des actionnaires) | (Avoir des actionnaires de la fin de la période + avoir des actionnaires du début de la période)/2 (Revenus d'intérêt totaux de la période - Revenus nets d'intérêt | dépenses d'intérêt totales de la période) x 100% en % des revenus d'intérêt | Revenus d'intérêts totaux de la période Rendement moyen des prêts | Revenus d'intérêt sur les prêts de la période x 100% 2 ((Prêts bruts du début de la période + prêts bruts de la fin de la période))/2 Rémunération moyenne des dépôts | Dépenses d'intérêts de la période x 100% 2 (Dépôts totaux du début de la période + dépôts totaux de la fin de la période)/2 Dépenses d'exploitation en % du produit net bancaire | Dépenses d'exploitation de la période x 100% (revenus nets d'intérêts + autres revenus) | Produit net bancaire de la période Rentabilité par employé | Produit net bancaire de la période x 100% 2 (Produit net bancaire par employé) | (Nombre d'employés du début de la période + nombre d'employés de la fin de la période)/2 1 Période signifie : trimestre, cumul ou année selon qu'il s'agisse du calcul d'un ratio trimestriel, cumulatif ou annuel. [Sheet1] Indicateurs financiers clés (au 30 septembre ou pour l’exercice terminé le 30 septembre) (en millions de gourdes) | 2008 | 2009 | 2010 | Var 09-08 | Var 10-09 BILAN Actif…………………………………………………………………………………………………. | 303722.7747131739 | 329069.3703402191 | 401945.07524158363 | 0.08345306225712479 | 0.22146000652087316 Bons BRH …………………………………………………………..……………………….. | 11267.011 | 12939 | 1840 | 0.14839685520853751 | -0.8577942653991808 Prêts nets…………………………………………………………………………………….. | 87160.7579468537 | 102223.21686079065 | 124751.43468466097 | 0.17281239021718098 | 0.2203825952234475 Dépôts……………………………………………………………………………………………………………. | 243564.85677719084 | 267532.621995984 | 324498.23545609333 | 0.0984040371666528 | 0.21292959727716676 Avoir des actionnaires……………………………………………………………………………….. | 27422.96076309 | 29299.132592245744 | 33783.023178178 | 0.06841609282689065 | 0.15303833899570662 RÉSULTATS Revenus nets d’intérêt………………………………………………………………………………… | 8883.4248861 | 10542.943092949998 | 13222.010918195 | 0.18681063082400406 | 0.25411005272678344 Autres revenus ……………………………………………………………………………………………. | 15485.431614490055 | 8045.728750447364 | 10362.818568454228 | -0.480432386339248 | 0.2879900491149452 Dotation à la Provision pour Créances douteuses …………………………….. | 407.43342741 | 713.68311167 | 1383.23659488 | 0.7516557642478883 | 0.9381663545929539 Frais d’exploitation …………………………………………………………………………………….. | 11137.2739068217 | 12176.28887717 | 14556.815509889999 | 0.09329167793133752 | 0.19550510477649552 Bénéfice net (perte nette) ………………………………………………………………………….. | 12529.368163007726 | 5264.723795152365 | 6843.810941555231 | -0.5798093146710962 | 0.2999373201414388 (en pourcentage) STRUCTURE FINANCIÈRE Avoir des actionnaires en % de l’actif…………………………………………………………. | #REF! | #REF! | 0.08404885458012684 Dépôts en % de l’actif…………………………………………………………………………………….. | #REF! | #REF! | 0.807319844038537 QUALITÉ DE L’ACTIF Prêts improductifs bruts en % des prêts bruts …………………………………………… | #REF! | #REF! | 0.06535921843623993 Provisions pour créances douteuses en % des prêts improductifs bruts ………………………………………………………………………………………………………………………. | #REF! | #REF! | 0.46572376763467754 Prêts improductifs nets en % de l’avoir des actionnaires ……………………… | #REF! | #REF! | 0.1329978920640098 RENTABILITÉ Rendement de l’actif (ROA)…………………………………………………………………………….. | #REF! | #REF! | 0.018724146924643456 Rendement de l’avoir des actionnaires (ROE) ……………………………………………. | #REF! | #REF! | 0.2169808833566835 Revenus nets d’intérêts en % des revenus d’intérêt………………………………….. | #REF! | #REF! | 0.7739859225582887 Rendement moyen des prêts………………………………………………………………………….. | #REF! | #REF! | 0.11640768542321629 Rémunération moyenne des dépôts a………………………………………………………………………………………. | #REF! | #REF! | 0.013043243209962358 Dépenses d’exploitation en % du produit net bancaire …………………………….. | #REF! | #REF! | 0.6172109710663901 Produit net bancaire par employé (en milliers de gourdes)………………………….. | #REF! | #REF! | 4924.278001179502 Nombre d’employés……………………………………………………………………………………………… | #REF! | #REF! | #REF! Indicateurs financiers clés pour les trois plus grandes banques du système (au 30 septembre ou pour l’exercice terminé le 30 septembre) (en millions de gourdes) | 2008 | 2009 | 2010 | Var 09-08 | Var 10-09 Sogebank | Unibank | BNC | Sogebank | Unibank | BNC | Sogebank | Unibank | BNC | Sogebank | Unibank | BNC | Sogebank | Unibank | BNC BILAN Actif………………………………………………………… | 73560.85853189 | 115206.64240198574 | 62044.58999809 | 86643.75777669999 | 113100.01999986374 | 67575.69997483 | 105301.37900716 | 136911.77016667125 | 81491.92487383001 | 0.1778513669622046 | -0.0182855984533552 | 0.08914733705082534 | 0.21533716576034023 | 0.2105370995233793 | 0.20593534220412657 Bons BRH ………………………………………………. | 1600 | 900 | 7600 | 1294 | 600 | 9145 | 0 | 0 | 1000 | -0.19125000000000003 | -0.33333333333333337 | 0.20328947368421058 | -1 | -1 | -0.8906506287588847 Prêts nets………………………………………………… | 22532.288675090003 | 29191.14137241 | 13905.845 | 28261.87366338 | 32150.952536419998 | 15966.768 | 32111.842915229994 | 38736.78290442001 | 21240.071600000003 | 0.2542833118689889 | 0.10139415674946739 | 0.14820552077202076 | 0.1362248412014717 | 0.2048409097845456 | 0.33026744047386436 Dépôts………………………………………………………… | 60095.73435518679 | 93169.03322207573 | 49433.029 | 70694.65870082822 | 97068.00053195517 | 53076.921 | 86277.04185978933 | 115985.1038547483 | 62058.7975 | 0.17636733221359924 | 0.04184831778372056 | 0.0737137107256769 | 0.22041811142909662 | 0.19488506221538526 | 0.16922376676672712 Avoir des actionnaires…………………………… | 5878.881323189998 | 12222.54258147 | 5175.769 | 6883.075162929996 | 10389.48711537 | 6328.754 | 7520.8667434900035 | 12099.584207400001 | 7356.4489 | 0.17081376277810323 | -0.14997333442544147 | 0.22276593101430908 | 0.09266084787144946 | 0.16459879809659883 | 0.16238502871181293 RÉSULTATS Revenus nets d’intérêt………………………………………………… | 2176.25239453 | 2050.1897747 | 2323.5443980900004 | 2582.00389133 | 2712.9823724999997 | 2734.905 | 3313.4819794299992 | 3393.76727405 | 3221.4712438100005 | 0.18644505472796014 | 0.3232835350068921 | 0.17704012983274442 | 0.2832986001904172 | 0.25093598412239615 | 0.17790974231646084 Autres revenus …………………………………………………………… | 2082.007815316254 | 10989.17878708 | 812.0992719799999 | 2350.8779531373634 | 2829.4358843200002 | 967.091 | 2515.902240454227 | 4449.06608539 | 929.732 | 0.12913983119716033 | -0.7425252660693287 | 0.19085317936822044 | 0.0701968756381548 | 0.5724215947233757 | -0.03863028401670576 Dotation à la Provision pour Créances douteuses ………… | 289.38046892 | -91.733 | 130 | 419.63304665 | 43.012 | 150 | 553.84007531 | 227.66932 | 287.5 | 0.45010839265039904 | -1.4688825177417069 | 0.15384615384615374 | 0.31981997064196177 | 0.9166666666666667 Frais d’exploitation ………………………………………………… | 3027.7529230299992 | 3358.83632828 | 1901.9603993100002 | 3385.5892105600005 | 3686.84963189 | 2209.107 | 3997.6159051 | 4558.0583449099995 | 2479.34691 | 0.11818543210979704 | 0.0976568286011037 | 0.16148948253676965 | 0.18077405629455146 | 0.23630166673583308 | 0.12232993241160361 Bénéfice net (perte nette) …………………………………….. | 751.1268178962553 | 9924.86405131 | 1103.6832707599997 | 911.8595872573629 | 1947.4799379299996 | 1342.889 | 1075.128239474226 | 2823.92743159 | 1384.3563338100003 | 0.21398885718297955 | -0.8037776711235709 | 0.21673403554924087 | 0.17905021178527347 | 0.45004186004174573 | 0.030879196873308423